vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate and damaging information that has been reported on my credit report. The information in question is not only incorrect but is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which governs the accuracy of information reported by credit reporting agencies. 
Upon reviewing my credit report, I discovered that the following information is either outdated, incorrect, or has been improperly included : 1. XXXX Acct # XXXX This information is entirely false, and it is completely unacceptable that it has been reported without proper verification. I demand that the inaccurate data be removed from my credit report IMMEDIATELY, as per my rights under FCRA 605B.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to make a gas purchase at a XXXX gas station. My Cash App card was charged a pre-authorization hold of {$170.00}, even though I did not receive any gas. XXXX advised me to speak with Cash App, and Cash App confirmed that the charge was pre-authorized due to the nature of the transaction. However, the charge has not been released and remains pending. The hold on my funds has caused significant financial hardship, and I have contacted both XXXX and Cash App multiple times without a resolution. 

Despite my repeated inquiries, Cash App has stated that the pre-authorization hold will resolve itself within 5 days. I do not have 5 days, and I have not received my funds back. Ive also been informed that Cash App can not expedite the process or release the hold. This delay has caused me undue stress and financial strain, and I am seeking assistance from the CFPB to resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXg of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 



Please forward me an updated credit report after you have completed your Investigation and corrections. 



Your cooperation and prompt attention are greatly appreciated. 

XXXX XXXX XXXX XXXX this account was remove from my credit report before now it back on

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 2025-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am filing this complaint against Santander Consumer USA regarding an auto loan account that was repossessed without proper notice and is now being inaccurately reported to credit bureaus. 
Santander repossessed my vehicle in XX/XX/year> without providing a Notice of Intent to Repossess or the required 15-day right to cure, in violation of California Civil Code 2983.2 ( Rees-Levering Act ). Santander claimed I was not entitled to this notice because I did not have a co-signer, which is a misinterpretation of California law. 
After the repossession, I received conflicting deficiency balances ( {$5100.00} vs. {$5200.00} ). Despite this, I entered into a written settlement agreement with Santander to settle the account in full for {$1400.00}, which was paid in full and accepted. 
However, Santander is still reporting this account to the credit bureaus as Closed Paid in Settlement with {$18000.00} written off, which is grossly inaccurate and misleading. This is damaging my credit and violates the Fair Credit Reporting Act ( FCRA ). I have disputed this with Santander and the credit bureaus, and I request the CFPB 's assistance in resolving this matter. I am requesting that Santander be required to either : * Remove the tradeline entirely, or * Accurately report it as Settled in Full {$1400.00} {$0.00} balance No charge-off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Goldman Sachs is reporting a charge off on my account that is not mine. I have contacted Goldman Sachs several times and keep getting transferred around and no one can tell me what this account is. I give them all my information and nothing ever pops up however, it's still on my credit after disputing the account. This account claims it was opened in XXXX XXXX XXXX XXXX XXXX XXXX  and never had a credit card. I don't recognize this account so at first I thought it was identity theft but Goldman Sachs assured me that no one opened an account with my info as they can't pull anything up. I am trying to buy a house and this account is severly affecting my credit and ability to finance .This needs to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 am writing to formally dispute the credit card account listed under XXXX XXXX XXXX account number ending in XXXX I am listed as an authorized user on this account and not the primary account holder. As such, I am not financially responsible for any charges or debts incurred on this account. 

Under the Fair Credit Reporting Act ( FCRA ), authorized users are not liable for any outstanding balances, and any negative information reported on this account should not be included in my credit file

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 2025-04-17 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: LA

Complaint narrative:
Sent a debt validation letter. It has been 30 days and I would like this removed from my credit report immediately.

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 2025-04-17 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: KS

Complaint narrative:
Ive requested that they update the system on their end to show the agreements but they said they will not update it.

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 2025-04-17 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: KS

Complaint narrative:
Ive requested that they update the system on their end to show the agreements but they said they will not update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exis

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 2025-04-17 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exis

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 2025-04-17 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:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

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 2025-04-17 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: OH

Complaint narrative:
XXXX your updated credit dispute letter with your personal information added : XXXX XXXX XXXX, Ohio XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under 15 U.S.C 1681 Dear [ Experian / Equifax / TransUnion ] Representative, I am writing to formally dispute certain inaccurate and/or unverifiable information currently being reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681.

Please consider this letter as a formal request to investigate and remove the following accounts that are negatively impacting my credit report. I am exercising my rights under the FCRA to ensure that all information reported is complete, accurate, and verifiable. 

The items I am disputing are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$630.00} Date Opened/Reported : XX/XX/XXXX Reason for Dispute : I dispute the accuracy and/or validity of this debt and request immediate investigation and verification as required under 15 U.S.C 1681i. 
XXXX. XXXX XXXX Amount : {$2400.00} Date Opened/Reported : XX/XX/XXXX Reason for Dispute : This item is inaccurate and may be unverifiable. Please provide full validation and documentation. 
XXXX. XXXX Amount : {$1600.00} Date Opened/Reported : XX/XX/XXXX Reason for Dispute : I do not recognize this account. I am requesting a reinvestigation and proper verification. 
XXXX. XXXX XXXX XXXX  Amount : {$5000.00} Date Opened/Reported : XX/XX/XXXX Reason for Dispute : I am challenging the completeness and accuracy of this account. Please verify and provide documentation proving the validity. 

In accordance with 15 U.S.C 1681i, you are required to conduct a reasonable reinvestigation of each disputed item within 30 days of receipt of this letter. If you can not verify the accuracy and validity of these accounts, they must be promptly deleted from my credit report. 

Please send me written confirmation of your findings and any changes made to my credit report as a result of your investigation. 

Enclosed are copies of my government-issued ID and a utility bill to verify my identity and address. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of government-issued ID Proof of address ( utility bill or bank statement ) Let me know if youd like this in a downloadable Word or PDF format.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: OH

Complaint narrative:
XXXX your updated credit dispute letter with your personal information added : XXXX XXXX XXXX, Ohio XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under 15 U.S.C 1681 Dear [ Experian / Equifax / TransUnion ] Representative, I am writing to formally dispute certain inaccurate and/or unverifiable information currently being reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681.

Please consider this letter as a formal request to investigate and remove the following accounts that are negatively impacting my credit report. I am exercising my rights under the FCRA to ensure that all information reported is complete, accurate, and verifiable. 

The items I am disputing are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$630.00} Date Opened/Reported : XX/XX/XXXX Reason for Dispute : I dispute the accuracy and/or validity of this debt and request immediate investigation and verification as required under 15 U.S.C 1681i. 
XXXX. XXXX XXXX Amount : {$2400.00} Date Opened/Reported : XX/XX/XXXX Reason for Dispute : This item is inaccurate and may be unverifiable. Please provide full validation and documentation. 
XXXX. XXXX Amount : {$1600.00} Date Opened/Reported : XX/XX/XXXX Reason for Dispute : I do not recognize this account. I am requesting a reinvestigation and proper verification. 
XXXX. XXXX XXXX XXXX  Amount : {$5000.00} Date Opened/Reported : XX/XX/XXXX Reason for Dispute : I am challenging the completeness and accuracy of this account. Please verify and provide documentation proving the validity. 

In accordance with 15 U.S.C 1681i, you are required to conduct a reasonable reinvestigation of each disputed item within 30 days of receipt of this letter. If you can not verify the accuracy and validity of these accounts, they must be promptly deleted from my credit report. 

Please send me written confirmation of your findings and any changes made to my credit report as a result of your investigation. 

Enclosed are copies of my government-issued ID and a utility bill to verify my identity and address. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of government-issued ID Proof of address ( utility bill or bank statement ) Let me know if youd like this in a downloadable Word or PDF format.

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 2025-04-17 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: DISCOVER BANK
State: CA

Complaint narrative:
Both Discover and XXXX XXXX have charge-off accounts on my credit report. Due to FERA Section 605B, anything reported on my credit without my consent is illegal. Also, with a charge-off, both companies have already been paid, but I have the report still on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I bought a washer and dryer set and I was offered a 12 month interes free promotion the store rep told me the interest would start in XXXX of XXXX if not paid by then. I got my statement balance yesterday XX/XX/XXXX and there is XXXX dollars added to the statement I called Lowe 's credit card and asked why they said it was because I didn't finish paying the full balance my balance left was about XXXX dollars they said not I would have to pay the whole amount of interest for the 12 months I explained to them that's not what I was told at the time of purchase I was then translating to a supervisor who said it was to bad I misunderstood, but I didn't misunderstand I was mislead she said it was to bad now I know for next time. I was told the interest would start in XXXX for the remaining balance of there was any and now they are telling me there's nothing they can do!

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 2025-04-17 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: MI

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
i checked my credit with XXXX XXXX on XX/XX/year>. They told me in an e-mail that " T D BANK '' credit card was inaccurately listed as closed on your credit report. Suprise, I had no knowledge of T D BANK or the opening and closing of the credit card. I'm lost.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-04-17 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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