vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The late payment in question is reported by [ equifax ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my dispute, I have enclosed copies of relevant documentation, including [ list any supporting documents, such as payment receipts, account statements, etc. ]. 
I respectfully request that you investigate this matter and remove the inaccurate late payment from my credit report. Please confirm in writing that the correction has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-04-06 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: MD

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, The ( FCRA ) Fair Credit Reporting Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. 15 U. S. C. 1681 et seq. The ( FCRA ) also creates a cause of action for consumers to sue and recover damages for certain violations. 1681n ( a ). EXPERIAN is a credit reporting agency that compiles personal and financial information about individual consumers to create consumer reports and then sells those reports for use by entities that request information about the creditworthiness of individual consumers. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
On XX/XX/year>. I received a notice. The account with XXXX XXXX XXXX that starts with XXXX has not been changed and will remain on my credit report. 
Per the fair credit reporting act under section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I am requesting. A description of the procedure used to determine the accuracy and completeness of the information. Please also include the business name address and telephone number of any furnisher of the information contacted in connection to the disputed account XXXX XXXX XXXX XXXX 
You have no later than 15 days after receiving this request from me for the description 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 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> I was making a reservation on XXXX XXXX and a promotional offer came up stating I would receive XXXX reward points if I applied & was approved for the chase XXXX XXXX credit card. I was approved & once I received my card in the mail, I booked the reservation for the XXXX XXXX XXXX XXXX using my XXXX Credit card. I never received the additional reward points. I have contacted the Chase XXXX XXXX Credit card & they stated that was a promotion on XXXX XXXXXXXX XXXX website & they are the only one that can give me the points! I have been back & forth between both companies & neither one are willing to give me the promotional offer I was promised. I explained I didn't need a new credit card & I only applied because I always stay at the XXXX XXXX properties. It's illegal to offer a promotion to a customer & not give the customer the promotion. I'm going to pay off this credit card & close it. I don't want to do business with a company that doesn't stand by their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I submitted a dispute with cashapp for 5 transactions that are fraudulent I sent them everything refund receipts text messages etc. they are still denying my claim and not getting my money from the person that scammed me. I have reached out and showed them that this person have 2 different cashapp! With the same name the LLC WORD IS JUST DIFFERENT. ( Llc & LLC ) they refuse to look to that and look at the text messages I have sent showing this was a scam. I really need my money back because I didnt get any services. They are treating me unfairly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc.
State: AL

Complaint narrative:
A collection account from XXXX XXXX, reported by Professional Debt Mediation on my XXXX credit report, originally showed a Date of First Delinquency ( DOFD ) of XX/XX/XXXX. 

After I filed a dispute with XXXX and the collection agency, I checked my updated credit report dated XX/XX/XXXX, and noticed the DOFD was removed entirely. 

This may be an attempt to re-age the account and keep it on my report longer than allowed by the Fair Credit Reporting Act ( FCRA ). 

I have attached a detailed complaint letter in PDF format explaining the timeline and concerns. I respectfully request the CFPB to investigate this potential FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Central Research Inc
State: FL

Complaint narrative:
2 Education loans opened XX/XX/year> and I didn't open an account to get a loan. 
Central Research inc/D

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am the victim of identity theft. I submitted a valid FTC Identity Theft Report ( # XXXX ), a signed Affidavit of Dispute, and proof of my identity to Experian, requesting the removal of a fraudulent account : Creditor : XXXX XXXX Account # : XXXX Experian Report # : XXXX Despite receiving all legally required documentation under FCRA 605B ( 15 U.S. Code 1681c-2 ), Experian refused to block the account. Instead, they marked it as Verified consumer disagrees and added a comment stating the account was purchased by another lender.

This is a clear violation of the FCRA. Experian is legally required to block fraudulent accounts from a consumers report within 4 business days of receiving identity theft documentation regardless of whether the account has been sold to another party.

Experians refusal to block the account and its contradictory statements demonstrate willful and negligent noncompliance with both FCRA 605B and 611. This account continues to damage my credit standing, and Experians failure to act is unacceptable.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account number XXXX in the amount of {$8900.00} XXXX Account number XXXX in the amount of {$1200.00}. XXXX Account number XXXX in the amount of {$470.00}. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX amount of {$14000.00}. XXXX XXXX Account number XXXX in the amount of {$7200.00}. XXXX XXXX XXXXXXXX XXXX Account number XXXX amount of {$14000.00}. XXXXXXXX XXXX  Account number XXXX amount of {$4200.00}. XXXX XXXX XXXX Account number XXXX amount of {$20000.00}. XXXXXXXX XXXX Account number XXXX amount of {$11000.00}. XXXX XXXX XXXX XXXX Account number XXXX amount of {$1000.00}. XXXX XXXX XXXX XXXX Account number XXXX amount {$5500.00XXXX XXXX XXXX XXXX account number XXXX amount {$8500.00}. XXXX XXXXXXXX XXXX account number XXXX amount of {$9000.00}. 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 : Also states a consumer reporting agency can not furnish an account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Ferpa violation- Unauthorized disclosure of education. 

Dear : XXXX XXXX XXXX XXXXXXXX I am writing to formally raise a concern regarding a potential violation of the family educational rights and privacy act ( Ferpa ). It appears that my education records and personal identifiable information from such records was disclosed without prior written consent. This incident has caused significant concern, as Ferpa protects student privacy by prohibiting unauthorized disclosures. I kindly requests that the school conduct an investigation into this matter and provide me with a detailed response. 
Thank you for your attention to this serious matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I didn't give XXXX XXXX or XXXX the authorize to go over my private information.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because TransUnion has failed to remove 103 unauthorized and fraudulent hard inquiries from my credit report, despite multiple disputes and documentation I have submitted over the past several years.

I did not authorize any of these inquiries. I submitted several written disputes to TransUnion, including : A full list of the unauthorized inquiries My government-issued ID Proof of address A copy of my FTC Identity Theft Report Detailed written statements explaining the situation TransUnion has either ignored my disputes, failed to respond meaningfully, or responded with vague form letters claiming the information was verified, without providing any actual verification.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 609, which gives me the right to know the source and authorization for each inquiry Section 611, which requires TransUnion to conduct a reasonable investigation and remove unverifiable or inaccurate information These fraudulent inquiries have negatively impacted my credit score, caused me to be denied credit, and caused significant emotional and financial stress. I have made every reasonable attempt to correct this directly with TransUnion and have now exhausted all other options.

I am requesting that the CFPB require TransUnion to : Remove all 103 fraudulent inquiries from my credit report Provide written confirmation that these have been deleted Investigate how TransUnion allowed these inquiries to remain on my report after being notified of fraud and receiving proper documentation Please help enforce my rights under federal law and compel TransUnion to follow the FCRA. 
Ive going through this with transition of 4 years. They have yet to listen to my concerns after telling me what to do I always comply but they never help 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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint because TransUnion has failed to remove 103 unauthorized and fraudulent hard inquiries from my credit report, despite multiple disputes and documentation I have submitted over the past several years.

I did not authorize any of these inquiries. I submitted several written disputes to TransUnion, including : A full list of the unauthorized inquiries My government-issued ID Proof of address A copy of my FTC Identity Theft Report Detailed written statements explaining the situation TransUnion has either ignored my disputes, failed to respond meaningfully, or responded with vague form letters claiming the information was verified, without providing any actual verification.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 609, which gives me the right to know the source and authorization for each inquiry Section 611, which requires TransUnion to conduct a reasonable investigation and remove unverifiable or inaccurate information These fraudulent inquiries have negatively impacted my credit score, caused me to be denied credit, and caused significant emotional and financial stress. I have made every reasonable attempt to correct this directly with TransUnion and have now exhausted all other options.

I am requesting that the CFPB require TransUnion to : Remove all 103 fraudulent inquiries from my credit report Provide written confirmation that these have been deleted Investigate how TransUnion allowed these inquiries to remain on my report after being notified of fraud and receiving proper documentation Please help enforce my rights under federal law and compel TransUnion to follow the FCRA. 
Ive going through this with transition of 4 years. They have yet to listen to my concerns after telling me what to do I always comply but they never help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Demand for Arbitration Fraudulent Account Reporting & Violation of FCRA To Whom It May Concern, I am formally requesting arbitration regarding XXXX XXXX unlawful attempt to collect a non-existent debt and its fraudulent reopening and reporting of an account to my credit report after the Consumer Financial Protection Bureau XXXX CFPB ) completed its investigation and determined that this account should be permanently closed. 

Your actions constitute willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically violating : 15 U.S.C. 1681n Liability for willful noncompliance 15 U.S.C. 1681o Liability for negligent noncompliance Under these provisions, I am entitled to seek legal remedies for your violations, including but not limited to : Actual damages, including harm caused by the inaccurate reporting.

Statutory damages ranging from {$100.00} to {$1000.00} per willful violation.

Punitive damages for reckless disregard of federal consumer protection laws.

Recovery of legal costs and attorneys fees. 

XXXX XXXX had no legal right to reopen or report this account after CFPBs investigation was concluded. Your failure to comply with federal regulations has caused undue harm to my credit profile and financial standing. 

Sincerely,

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: FL

Complaint narrative:
I was not able to upload this file but here is the link to my files via 6 inquiries on my credit report. Plus the one that wasn't added to my input before via the one in the 3rd paragraph. 

XXXX XXXX XXXXXXXX XXXX XXXX  : sc : XXXX : XXXX Corelogic 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