vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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:
Subject : Complaint Against XXXX XXXX XXXX XXXX XXXX FCRA & FDCPA Violations Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX  regarding inaccurate and potentially fraudulent information being reported on my credit reports. 

Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Reporting : XXXX days late and over the credit limit Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate information without reasonable investigation.

FDCPA 807 : Continued reporting of an unverified and potentially fraudulent debt. 

FCRA 609 ( a ) ( 1 ) : Failure to provide verification and accurate information upon request. 


XXXX XXXX is inaccurately reporting this account with late payments and over-the-limit status without providing proper validation. I have requested verification, but the creditor has failed to furnish signed documentation proving this debt belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
Subject : Complaint Against XXXX XXXX XXXX XXXX XXXX FCRA & FDCPA Violations Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX  regarding inaccurate and potentially fraudulent information being reported on my credit reports. 

Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Reporting : XXXX days late and over the credit limit Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate information without reasonable investigation.

FDCPA 807 : Continued reporting of an unverified and potentially fraudulent debt. 

FCRA 609 ( a ) ( 1 ) : Failure to provide verification and accurate information upon request. 


XXXX XXXX is inaccurately reporting this account with late payments and over-the-limit status without providing proper validation. I have requested verification, but the creditor has failed to furnish signed documentation proving this debt belongs to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. As part of my usual routine, I checked my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the inaccuracies remained. Given this issue, I request a thorough review of the documents I have submitted so I can have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. 
Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$22000.00}

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 2025-03-31 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: SC

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 HAS VIOLATED MY RIGHTS. 
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, STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681 C. ( 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 AND CRIMES WHICH ANTEDATES THE REPORT BY 7 YEARS.

15 U.S.C. 1681 S-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. I have reviewed my credit report and found several discrepancies that I would like to address. I kindly request your assistance in investigating and correcting these issues. 

1. **Incorrect Address** : The address listed as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX is incorrect. I have never lived at this address and do not have any association with it. Please remove this address from my credit report. 

2. **Closed Accounts to be Removed** : The following closed accounts are inaccurately reported and should be removed : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX These accounts have been marked as charge-offs and losses, but I did not receive a XXXX form from the IRS, indicating that these were not properly reported. I request verification of these accounts and their removal if they can not be verified. 

3. **Hard Inquiries** : I request the removal of all hard inquiries from my credit report, except for the one from XXXX XXXX, as I do have a credit card with them. The other inquiries were not authorized by me. 

4. **Collections** : I request the removal of any collections from my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I am protected from unfair, deceptive, and abusive practices. I am disputing these debts and request validation. If any collector has violated the FDCPA, I reserve the right to take legal action. 


Please investigate these matters and provide me with a written statement of the outcome of your investigation. 

Thank you for your prompt attention to these matters. I look forward to your response and the correction of my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL, 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 2025-04-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. I have reviewed my credit report and found several discrepancies that I would like to address. I kindly request your assistance in investigating and correcting these issues. 

1. **Incorrect Address** : The address listed as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX is incorrect. I have never lived at this address and do not have any association with it. Please remove this address from my credit report. 

2. **Closed Accounts to be Removed** : The following closed accounts are inaccurately reported and should be removed : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX These accounts have been marked as charge-offs and losses, but I did not receive a XXXX form from the IRS, indicating that these were not properly reported. I request verification of these accounts and their removal if they can not be verified. 

3. **Hard Inquiries** : I request the removal of all hard inquiries from my credit report, except for the one from XXXX XXXX, as I do have a credit card with them. The other inquiries were not authorized by me. 

4. **Collections** : I request the removal of any collections from my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I am protected from unfair, deceptive, and abusive practices. I am disputing these debts and request validation. If any collector has violated the FDCPA, I reserve the right to take legal action. 


Please investigate these matters and provide me with a written statement of the outcome of your investigation. 

Thank you for your prompt attention to these matters. I look forward to your response and the correction of my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

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 2025-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
In XXXX, 2022, I refinanced my mortgage with XXXX XXXX  XXXX, and the loan was later transferred to Carrington Mortgage Services. Upon conducting a forensic loan audit, I discovered multiple discrepancies, including the fact that the note had been securitized and traded, generating over {$240.00} XXXX. Despite this, Carrington continued to demand payments without providing proper verification of the debt.

Additionally, my findings revealed that Mortgage Electronic Registration Systems ( MERS ), which was listed as the beneficiary, was inactive at the time of the loan 's servicing and transfer. This raises serious concerns about the legitimacy of Carringtons claim to the debt. I requested validation of the debt and an explanation of how Carrington acquired the loan, but my attempts to resolve this matter directly with them have been ignored.

Carringtons failure to provide clear documentation and verification of ownership constitutes a breach of contract and a violation of federal and state consumer protection laws, including the Real Estate Settlement Procedures Act ( RESPA ) under 12 U.S.C. 2605. Additionally, Carrington has failed to properly apply refunds of unearned interest as required under 15 U.S.C. 1615.

Despite multiple attempts to reach a resolution, including a formal settlement demand, Carrington has been unresponsive. Given these violations and their lack of transparency, I am filing this complaint to request a thorough investigation and appropriate corrective action against Carrington Mortgage Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 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 XXXX  and Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Transunion. Please delete the following accounts : 1XXXX XXXX XXXXXXXX 2. XXXX XXXX 3. XXXX XXXX 4XXXX XXXX XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXXXXXX 8. XXXX XXXX XXXX 9. XXXX XXXXXXXX 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 2025-03-31 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
According to 15 U.S.C. 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights

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