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 — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding an inaccurate XXXX late payment reported on my credit report by Equifax for XXXX account with XXXX XXXX XXXX Account XXXX. : XXXX * * * ). There is a clear inter-bureau discrepancy in the reporting of this account : Equifax reports a XXXX late payment in XX/XX/year>. 

TransUnion reports a XXXX late payment in XX/XX/year>. 

Experian reports no late payments at all. 

These inconsistencies directly violate the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy, and 15 U.S.C. 1681i, which mandates a reasonable reinvestigation of disputed information. Additionally, the furnisher is obligated under 15 U.S.C. 1681s-2 ( b ) to conduct a thorough and good-faith investigation and correct any inaccuracies.

This error is misleading and materially affects my creditworthiness. Furthermore, I did not receive any verifiable documentation regarding the date, amount, or processing of the alleged late payment, nor has Equifax provided a summary of the reinvestigation or manual verification by a qualified agent, as required under 15 U.S.C. 1681i ( a ) ( 7 ). These omissions constitute both negligent and potentially willful noncompliance, actionable under 15 U.S.C. 1681n and 1681o.

I am also invoking my rights under : TILA ( 15 U.S.C. 1637 ( b ) ; 1666 ( b ) ) and FCBA, regarding potential billing errors ; UDAAP ( Dodd-Frank Title X ), due to deceptive and unfair reporting ; 12 CFR 1022 ( Regulation V ), for failure to ensure accuracy and integrity of furnished data.

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: AZ

Complaint narrative:
These accounts are reporting to my credit report but they do not belong to me. 
XXXX XXXX - ACCT # : XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX ACCT # : XXXX, Bal- {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX- ACCT # : XXXX, Bal- {$1500.00}, opened : XX/XX/XXXX XXXX XXXX XXXX ACCT # : XXXX, Bal- {$9400.00}, opened : XX/XX/XXXX XXXX XXXX & XXXX - ACCT # : XXXX, Bal- {$3100.00}, opened : XX/XX/XXXX XXXX XXXX ACCT # : XXXX, Bal- {$1400.00}, opened : XX/XX/XXXXXXXX XXXX

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the reporting of inaccurate information on my credit report. The CFPB investigates and helps resolve issues where consumers believe they have been harmed by incorrect financial data reported by creditors, credit bureaus, or other financial institutions. I filed complaint with XXXX  to remove inaccurate information no despite all the efforts and clearing inaccurate information from XXXXXXXX XXXX XXXX XXXXespite everything experian wont resolve my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
was hacked sometime and XXXX and couldnt get back into my cashapp account and got XXXX unauthorized charges that were sent to XXXX XXXX for XXXX on XX/XX/XXXX and XXXX. I communicated with cash app multiple times and they kept denying the dispute without further explanation. I have read this is valid reason for lawsuit due to failure of process and am considering this as my next step if cash app doesnt respond to the cfpb complaint. The charges are fraudulent, unauthorized, and a result of the hacking of my account. I have the proof also where it says someone unauthorized logged into my account in XXXX. They replied in the last cfpb claiming to contact me via email or phone but I never was called at my number XXXX nor did i receive any emails. Thus I am reescalating this case until I receive that phone call

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: TX

Complaint narrative:
I am formally disputing the accuracy and validity of the XXXX XXXX charge-off account ending in XXXX with a reported balance of {$17000.00}, opened on XX/XX/year>, as I believe it is either inaccurately reported, no longer legally collectible, or lacks proper validation, and I request immediate investigation and removal of this entry from all credit reporting agencies

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Only have around XXXX in student loan debt. I am currently XXXX XXXX XXXX. And enrolled in loan forgiveness and saving plan where my payments are {$0.00}. XXXX is reporting to the credit bureaus I and behind in payments and I have over XXXX in student loans. I have not been to college since XXXX. My credit score has dropped over XXXX points. I also do strongly believe my personal and financial information was compromised without my authorization which should be protected by Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. I should not be collecting interest while Im in forbearance.

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: NC

Complaint narrative:
Only have around XXXX in student loan debt. I am currently XXXX XXXX XXXX. And enrolled in loan forgiveness and saving plan where my payments are {$0.00}. XXXX is reporting to the credit bureaus I and behind in payments and I have over XXXX in student loans. I have not been to college since XXXX. My credit score has dropped over XXXX points. I also do strongly believe my personal and financial information was compromised without my authorization which should be protected by Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. I should not be collecting interest while Im in forbearance.

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: NC

Complaint narrative:
Only have around XXXX in student loan debt. I am currently XXXX XXXX XXXX. And enrolled in loan forgiveness and saving plan where my payments are {$0.00}. XXXX is reporting to the credit bureaus I and behind in payments and I have over XXXX in student loans. I have not been to college since XXXX. My credit score has dropped over XXXX points. I also do strongly believe my personal and financial information was compromised without my authorization which should be protected by Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. I should not be collecting interest while Im in forbearance.

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: GA

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

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: GA

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

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: PA

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 XXXX  days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Apartment XXXX XXXX, Arizona, XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Request for Deletion SYNVS/FD, Account # : XXXX * * * * To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the above-referenced account appearing on my TransUnion credit report. The information being reported contains several inconsistencies and errors that violate my rights under the Fair Credit Reporting Act ( FCRA ). 



List of Inaccuracies : Date Opened : TransUnion lists this as XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. This inconsistency violates FCRAs requirement for accurate reporting. 
XXXX XXXX XXXX XXXX XXXX : Reported as {$300.00} and {$520.00} by TransUnion, yet Equifax lists both as {$0.00}, which misrepresents the true account terms and negatively impacts my credit utilization ratio. 
Monthly Payment : Listed as {$0.00}, which is inaccurate for a revolving credit account and misleads both scoring models and lenders. 
Account XXXX : The account is reported as both charged off and XXXX, which is contradictory without proper verification or supporting documentation. 
Payment History : The history does not accurately reflect the timing or details of the charge-off across all bureaus. 
Dates Conflict : Last payment is reported as XX/XX/XXXX, while the last reported date is XX/XX/XXXX, yet the date of last activity is also shown as XX/XX/XXXX these dates do not logically align and must be corrected or removed. 



Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681e ( b ) TransUnion must ensure maximum possible accuracy of consumer information, which is not met here.

FCRA 1681i I am requesting a reinvestigation, which you are legally required to complete within 30 days.

FCRA 602 I am entitled to fair and equitable treatment as a consumer, and inaccurate data directly contradicts this principle.

Request for Deletion : Due to the material inconsistencies, contradictions, and unverifiable nature of this account, I demand the immediate deletion of this SYNVS/FD account from my TransUnion credit report.

If you can not verify this information with complete and accurate documentation from the original creditor, the law requires you to delete the account per FCRA 1681i ( a ) ( 5 ) ( A ).

Please provide written confirmation of the results of your reinvestigation within 30 days as required by law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
I have reached out to the credit bureau TransUnion and Experian about my XXXX  XXXX  account being reported as late.from XXXX and XXXX  I have sent out letters regarding this matter to them and they are reporting incorrect information on my credit.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the student loan account ( XXXX ) currently reported on my credit file. The reporting of this loan is inaccurate due to a significant breach of my personal and financial data, in direct violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). 
My educational records and personally identifiable information were accessed and compromised without my consent, resulting in the unauthorized exposure and misuse of sensitive data. This data breach constitutes a clear violation of federal law and calls into question the legitimacy of the student loan account ( XXXX ) being reported under my name. 
As such, I am requesting the removal and cancellation of the disputed student loan account ( XXXX ) from my credit file and all relevant databases. The affected information should be deemed invalid due to the unlawful circumstances under which it was processed and maintained.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the XXXX  loan account ( XXXX ) currently reported on my credit file. The reporting of this loan is inaccurate due to a significant breach of my personal and financial data, in direct violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ).

My educational records and personally identifiable information were accessed and compromised without my consent, resulting in the unauthorized exposure and misuse of sensitive data. This data breach constitutes a clear violation of federal law and calls into question the legitimacy of the XXXX  loan account ( XXXX ) being reported under my name. 
As such, I am requesting the removal and cancellation of the disputed XXXX  loan account ( XXXX ) from my credit file and all relevant databases. The affected information should be deemed invalid due to the unlawful circumstances under which it was processed and maintained.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXX and XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt Action

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