vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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 am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet is my student loan servicer and has recently reported XXXX XXXX late payments to the credit reporting agencies. I would like to clarify the timeline and raise concerns regarding the accuracy and handling of this reporting. 

I can confirm that I made a payment for XX/XX/XXXX and acknowledge that I missed payments for XXXX and XX/XX/XXXX due to financial hardship. In XX/XX/XXXX, I made a substantial payment equivalent to nearly XXXX months ' worth in an effort to bring the account current prior to the credit reporting release. My account was fully brought current by XX/XX/XXXX. 

Importantly, I make a single consolidated monthly payment toward my overall loan balance. Despite this, Nelnet reported six separate 90-day delinquencies, which I believe to be excessive and misleading, considering the following : - I received no communication from Nelnet indicating that my account had been placed under administrative forbearance.

- Given that I make one payment per month, I believe it is inaccurate and disproportionate to report XXXX separate delinquencies for a single missed payment cycle. 
- Since I made a significant payment in XX/XX/XXXX, prior to the report being filed, I do not believe I should have been considered 90 days past due overall at that time. 

I find the lack of communication from Nelnet and the manner in which the late payments were reported to be concerning and not reflective of standard servicing practices. As a result, I have submitted formal disputes with both the credit reporting agencies and Nelnet directly. 

I respectfully request a thorough review of my account and the reported delinquencies, and ask that appropriate corrections be made to reflect a fair and accurate credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
Cash app has been giving me nothing but issues trying to find out why my account was closed. I have contacted them over phone and by mobile app, and I have yet to still get in contact with anyone higher than when I had a manager finally email me. On XX/XX/XXXX I finally got an email from XXXX about my account and she was defiantly NO help. She kept saying that every single complaint is being written down and in consideration but I know very well it was fallen of deaf ears. No body at cash app wants to take responsibility for anything except they think that blocking my account without even contacting me with information about my account being hacked and my identity stolen but they just decide not to and just do what they think is the best thing, closing my account without warning or anything. I contacted them over the phone on XXXX and same thing happened, the rep on the phone " wrote '' down everything I said and again I wanted to talk to another XXXX about this case because its been going on for about XXXX months now trying to get my accounts back in order from the identity theft. Once or if I can get my account back I know I have lost all that money in there from my main bank account and everything and I know I will never see that again but if they can just re-open my account so me and my friends can just send money back and forth as well as my small business that would be great or I will want to take further legal action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
Here is the updated version including conciliation agreement violations in addition to the FCRA and arbitration misconduct : In XXXX, I disputed a tradeline furnished by XXXX XXXX XXXX XXXX and reported by Equifax. XXXX submitted an illegible contract to justify the account, which the XXXX XXXX XXXX XXXX XXXX ) rejected as inadmissible ( XXXX Case # : XXXX ). I filed a related arbitration against Equifax ( Case # : XXXX ), but Equifax failed to pay XXXX fees under Rule XXXX, obstructing the process. Despite being under arbitration, Equifax continued reporting the tradeline, violating its own Terms of XXXX and the CFPBs XXXX Consent Order. 

That consent orderissued on XX/XX/XXXX, XXXX prohibits reinsertion or continued reporting of unverifiable tradelines, mandates consumer notification, and requires good faith participation in dispute resolution. Equifax is in breach of those binding conciliation terms. XXXX also confirmed twice that the XXXX tradeline does not exist, affirming it is unverifiable and likely invalid. 

I have submitted multiple complaints to the XXXX Department XXXX XXXX XXXX ( XXXX and XXXX ), but Equifax and XXXX have continued to obstruct resolution. I have been denied housing repeatedly due to this inaccurate reporting. I am indigent and part of a protected class under the Fair Housing Act and XXXX, and this situation reflects a pattern of systemic exclusion, failure to reinvestigate, and noncompliance with federal law and prior regulatory enforcement. 

I request immediate suppression and permanent deletion of the XXXX tradeline, investigation of XXXX consent order violations, enforcement against all parties involved, and appropriate civil and regulatory penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
Here is the updated version including conciliation agreement violations in addition to the FCRA and arbitration misconduct : In XXXX, I disputed a tradeline furnished by XXXX XXXX XXXX XXXX and reported by XXXX. XXXX submitted an illegible contract to justify the account, which the XXXX XXXX XXXX XXXX XXXX ) rejected as inadmissible ( XXXX Case # : XXXX ). I filed a related arbitration against XXXX ( Case # : XXXX ), but XXXX failed to pay XXXX fees under Rule XXXX, obstructing the process. Despite being under arbitration, XXXX continued reporting the tradeline, violating its own Terms of XXXX and the CFPBs XXXX XXXX XXXX. 

That consent orderissued on XX/XX/XXXX, XXXX prohibits reinsertion or continued reporting of unverifiable tradelines, mandates consumer notification, and requires good faith participation in dispute resolution. XXXX is in breach of those binding conciliation terms. XXXX also confirmed twice that the XXXX tradeline does not exist, affirming it is unverifiable and likely invalid. 

I have submitted multiple complaints to the XXXX Department XXXX XXXX XXXX ( XXXX and XXXX ), but XXXX and XXXX have continued to obstruct resolution. I have been denied housing repeatedly due to this inaccurate reporting. I am indigent and part of a protected class under the XXXX XXXX XXXX and XXXX, and this situation reflects a pattern of systemic exclusion, failure to reinvestigate, and noncompliance with federal law and prior regulatory enforcement. 

I request immediate suppression and permanent deletion of the XXXX tradeline, investigation of XXXX consent order violations, enforcement against all parties involved, and appropriate civil and regulatory penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I recognize on my XXXX credit report the XXXX had acquire my information without consent. I asked the company who them my information no answer in XXXX  it was removed from my report from XXXX law group and it is back on my XXXX and XXXX. I never open an account with XXXX it has been years. Upgrade keep put this on my credit. I need this permanently delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MS

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person.

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 2025-04-11 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX, XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-11 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-11 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: LA

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

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 2025-04-11 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: TN

Complaint narrative:
XXXX'Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. XXXXAccount Name: XXXX XXXX XXXX XXXXAccount Number: XXXX  XXXXOpen Date: XX/XX/XXXX XXXXBalance: XXXX XXXXAccount Name: XXXX XXXXAccount Number: XXXX XXXXOpen Date: XX/XX/XXXX XXXXBalance: XXXX XXXXAccount Name: XXXX XXXX XXXX XXXXAccount Number: XXXX XXXXOpen Date: XX/XX/XXXX XXXXBalance: XXXX XXXXAccount Name: XXXX XXXX XXXX XXXXAccount Number: XXXX XXXXOpen Date: XX/XX/XXXX XXXXBalance: XXXXAccount Name: XXXX XXXXAccount Number: XXXX XXXXOpen Date: XX/XX/XXXX XXXXBalance: XXXXAccount Name: XXXX XXXX XXXX XXXXAccount Number: XXXX XXXXOpen Date: XX/XX/XXXX XXXXBalance: XXXX XXXXEXPERIAN INQUIRIES: XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX  INQUIRIES:XXXXINQUIRIES: XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX VIA DEALER XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX VIA DEALER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: OH

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: OH

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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