vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND 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 AND TRAFFICKING. 

Account Name : DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : 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 2025-03-21 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : 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 2025-03-21 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: FL

Complaint narrative:
FCRA Section 605B ( a ) stipulates that credit reporting agencies must remove any information identified by consumers as originating from alleged erroneous activity within four business days after receiving notification of such identification. 
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

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 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i opened checking account with Citibank XXXX weeks ago. After that, i used XXXX  transfer to send money from my XXXX  XXXX XXXX account to XXXX XXXX  accout twice. 1 day later, when i tried to XXXX  transfer from my new Citi bank accout, my citi bank mobile app locked me out and they frooze my account alongside with my funds. After contacting with bank regarding to that issue, they said that because they can not verify my phone number, i have to wait for a letter with verification code to be mailed to me. As per them, letter must have arrived within 7-10 business days. It never arrived. My finds are still on hold, i tried to contact ciiti bank couple times and always answer was the same, i have to wait for letter. I could not withdraw my funds from bank branch too, they said me same thing, i have to wait for letter, yet no letter arrived ever since.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit Reporting -> Incorrect information on your credit report XXXX. What Happened? 

I am filing this complaint regarding inaccurate late payments reported by XXXX on my credit report. XXXX has incorrectly reported late payments that are negatively affecting my credit score. After reviewing my credit report, I have identified the following " inaccuracies : Account Number : [ XXXX ] and [ XXXX ] Date ( s ) of Late Payment ( s ) Reported : [ Insert Date ( s ) ] Payment Status : [ Reported as XX/XX/XXXX days late ] I have maintained consistent and on-time payments with XXXX, and I have documentation to support this claim. Despite reaching out to XXXX directly and providing proof of timely payments, they have failed to correct these inaccuracies. 

3. How Would You Like This Resolved? 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and direct EdFinancial to : Remove the inaccurate late payment entries from my credit report. 
Update my account status to reflect on-time payments. 
Correct my payment history across all major credit bureaus ( Equifax, Experian ) 4. Supporting Documentation : Attach the following supporting documents : late payment ( s ) ( XX/XX/XXXX ) ( XXXX XXXX ) XXXX. Additional Comments : Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair reporting. XXXX failure to report correct information is a violation of the FCRA. I am requesting that this matter be resolved promptly to avoid further damage to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
Credit Reporting -> Incorrect information on your credit report XXXX. What Happened? 

I am filing this complaint regarding inaccurate late payments reported by XXXX on my credit report. XXXX has incorrectly reported late payments that are negatively affecting my credit score. After reviewing my credit report, I have identified the following " inaccuracies : Account Number : [ XXXX ] and [ XXXX ] Date ( s ) of Late Payment ( s ) Reported : [ Insert Date ( s ) ] Payment Status : [ Reported as XX/XX/XXXX days late ] I have maintained consistent and on-time payments with XXXX, and I have documentation to support this claim. Despite reaching out to XXXX directly and providing proof of timely payments, they have failed to correct these inaccuracies. 

3. How Would You Like This Resolved? 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and direct EdFinancial to : Remove the inaccurate late payment entries from my credit report. 
Update my account status to reflect on-time payments. 
Correct my payment history across all major credit bureaus ( Equifax, Experian ) 4. Supporting Documentation : Attach the following supporting documents : late payment ( s ) ( XX/XX/XXXX ) ( XXXX XXXX ) XXXX. Additional Comments : Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair reporting. XXXX failure to report correct information is a violation of the FCRA. I am requesting that this matter be resolved promptly to avoid further damage to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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/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 non-monetary relief
Consumer complaint received 2025-03-21 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: SC

Complaint narrative:
Equifax and experian has an inaccurate reporting on a closed account that has been updated by XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
Hello this is regarding the MACYS In store card ending in XXXX Registered to XXXXThe last payment that went delinquentwas due XX/XX/XXXX as reported on my Equifaxcreditreportlater on XX/XX/XXXX. At that time the Balance was XXXX and the last payment made was XXXX Two weeks prior. This account was paid in Full with one of your in house collections specialists. My Phone number at the time was XXXX, the call may have also been joined with XXXX XXXX at XXXX requested a letter stating theaccount had been taken care of and wouldbe reported as PAID in full and Closed! This Debt was paid in full and It was not reported to any agency that I had satisfied this debt as it was met with payment. The XXXX email i have reflects a XXXX payment said to ne made XX/XX/XXXX I am requesting these Key Piecesof Information : # XXXX please provide the Call logs from the account belonging to XXXX XXXX ending in XXXX # XXXX Please provide the last payment information ( XXXX XXXX number ) as the last recorded call log and Narrations from the client interactions should Match from the last call to the sale of my Debt in XXXX # XXXX Please Provide The original Loan agreement date and contract as well as the Contract showing consent for the disclosure of my personal information to a third party, as I had opted out of this at application I am requesting that you provide me with this documentation as well with the original contract. This information was disputed and has been reported to the CFPB and the XXXX. # XXXX I Also request the Sale documents of my information to the debt collector it is currently assigned to, as I have the right to request this information under theIf you are not able to provide the requested information a Consumercredit complaintswill be filed with. Under The FCRA as well XXXX, CCPA, and XXXX I am entitled to have this information. 
A Dispute and a complaint has been filed with each Monitoring agency if this issue is not resolved within a timely manner Future Negative action may occur as this PAID in full but remained as unpaid and reported as in debt in collections or darogatory status has caused serious financial harm as well as caused me to be denied for multiple lines of credit for purposes of credit building, Therefore rendering me with almost ineligble to any unsecured credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Hello this is regarding the XXXX In store card ending in XXXX Registered to J.W..The last payment that went delinquentwas due XX/XX/XXXX as reported on my XXXX  on XX/XX/XXXX. At that time the Balance was XXXX and the last payment made was XXXX XXXX weeks prior. This account was paid in Full with XXXX of your in house collections specialists. My Phone number at the time was XXXX, the call may have also been joined with XXXX XXXX at XXXX requested a letter stating theaccount had been taken care of and wouldbe reported as PAID in full and Closed! This Debt was paid in full and It was not reported to any agency that I had satisfied this debt as it was met with payment. The XXXX email i have reflects a XXXX payment said to ne made XX/XX/XXXX I am requesting these Key Piecesof Information : # XXXX please provide the Call logs from the account belonging to XXXX XXXX ending in XXXX # XXXX Please provide the last payment information ( Date/time/Amount/ agent number ) as the last recorded call log and Narrations from the client interactions should Match from the last call to the sale of my Debt in XXXX # XXXX Please Provide The original Loan agreement date and contract as well as the Contract showing consent for the disclosure of my personal information to a third party, as I had opted out of this at application I am requesting that you provide me with this documentation as well with the original contract. This information was disputed and has been reported to the CFPB and the XXXX. # XXXX I Also request the Sale documents of my information to the debt collector it is currently assigned to, as I have the right to request this information under XXXX  you are not able to provide the requested information a Consumercredit complaintswill be filed with. Under The FCRA as well asCCRAA, CCPA, and CPRA I am entitled to have this information. 
A Dispute and a complaint has been filed with each Monitoring agency if this issue is not resolved within a timely manner Future Negative action may occur as this PAID in full but remained as unpaid and reported as in debt in collections or darogatory status has caused serious financial harm as well as caused me to be denied for multiple lines of credit for purposes of credit building, Therefore rendering me with almost ineligble to any unsecured credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: RI

Complaint narrative:
My rights have been violated by unauthorized access to my personal information. The Family Educational Right and Privacy Act ( FERPA ) protects the confidentiality of student records. The Department of Government Efficiency ( DOGE ) is not an official organization, nor did it have approval to access my personal information. I was not provided appropriate notice of disclosure that my information has been accessed, including personal banking and sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
In accordance with with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prefers a consumer report it shall follow reasonable procedure to assure Maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 81 ( e ) ( b ). 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any re-investigation on a paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified. The consumer reported agency shall promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the re-investigation and to properly notify the fumisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s 2 they are supposed to not fumish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Name : XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-03-21 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Im filing a complaint against CashApp ( Block , Inc ) due to ( 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. 
I want the CFPB to publish this

Company response to consumer: Closed with explanation