vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
The

Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for
account listed without my expressed written consent.

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 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Unknown collection appeared on credit report from unknown creditor without validation of debt. Please remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-04-15 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: TX

Complaint narrative:
This correspondence serves as my final written warning and legal demand regarding the continued, unlawful reporting of a fraudulent account by XXXX XXXX on my TransUnion credit file. Despite multiple disputes, supporting documentation, FTC reports, and formal written demands clearly showing that this account is fraudulent, was created without my knowledge, authorization, consent, or participation, and is unsupported by any legal verification, you continue to knowingly report false and damaging information in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable statutes. Furthermore, I have been a confirmed victim of identity theft and was also affected by a data breach by the credit agency itself, which increases your liability for this misreporting. 
FACTS : I did not authorize, apply for, verify, or receive any funds or services from XXXX XXXX. 
My phone number on record is ( XXXX ) XXXX I never received any verification call or contact regarding this loan. 
The account was previously removed and has now been illegally reinserted without proper reinvestigation or notice as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
The account is not being reported by XXXX or XXXX, which further proves the lack of valid verification. 
The continuous reporting of this account constitutes willful defamation, negligent misreporting, and deliberate injury to my creditworthiness. 

APPLICABLE FEDERAL STATUTES YOU ARE IN VIOLATION OF : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Knowingly reporting inaccurate information is unlawful.

15 U.S.C. 1681i Failure to conduct a proper reinvestigation and permanently delete unverifiable information.

15 U.S.C. 1681c-2 Mandatory blocking of information resulting from identity theft upon notice.

15 U.S.C. 1681n & 1681o Liability for willful and negligent noncompliance, including statutory damages of {$1000.00} per violation, punitive damages, and attorneys fees.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt.

15 U.S.C. 1692e ( 8 ) Reporting information known to be false.

Internal Revenue Code 6050P Reporting a charged-off debt as collectible without issuing a 1099-C is fraudulent and misrepresents the legal status of the debt.

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 2025-04-15 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I have a Savings Account with UFB Direct - parent company is Axos Bank, I think? 
I had {$10000.00} in savings. Recently Transferred {$3000.00} to my personal checking account at XXXXXXXX XXXX back in XXXX. The transfer was successfully completed In XXXX, Around XXXX or XX/XX/year>, I requested an additional {$7000.00} to be transferred from UFB Direct to my personal Chase account. UFB Direct said the money was withdrawn from the UFB Direct account and should arrive in my XXXXXXXX XXXX  account on Friday, XX/XX/XXXX. 

Here is the transaction # - XX/XX/year> XXXX Debit - XXXX AXOS BANKWEB XXXX XXXX XXXX It has not arrived in my XXXX bank account. XXXX said they have no record of a pending deposit. UFB Direct said the money has been withdrawn. I will check again tomorrow. But UFB Direct says I can " dispute '' the transaction. Who is responsible for looking into a failed bank transfer transaction? 

- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX AT ) XXXX Balance {$110.00} XXXX XXXX  XXXX Balance {$11000.00} XXXX XXXX  XXXX Balance {$9800.00} XXXX  XXXX Balance {$3500.00} XXXX XXXX XXXX Balance {$0.00} XXXX/XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00XXXX XXXX  XX/XX/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 2025-04-15 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX AT ) XXXX Balance {$110.00} XXXX XXXX  XXXX Balance {$11000.00} XXXX XXXX  XXXX Balance {$9800.00} XXXX  XXXX Balance {$3500.00} XXXX XXXX XXXX Balance {$0.00} XXXX/XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc.
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX veteran who has been working diligently to rebuild my credit. I had a credit builder account with Self Financial / Lead Bank, which I opened in XX/XX/scrub> 2021. I made one late payment in XX/XX/year>2021 during a time of financial hardship and unemployment. Since then, I have maintained perfect payment history and successfully paid off my account. I have submitted a goodwill adjustment request asking for this single late payment to be removed to help improve my credit as I pursue homeownership. However, Self Financial denied the request without escalation or consideration, despite my veteran status, strong payment history since, and the circumstances surrounding the late payment. Im not disputing the accuracy of the late mark, only requesting a courtesy goodwill removal which many lenders offer. I am asking the CFPB to assist in having this request fairly reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MO

Complaint narrative:
I am disputing these accounts and inquiries because they are fraudulent and unauthorized. I did not open these accounts nor did I apply for any credit that would justify these hard inquiries. This is a clear case of identity theft. I demand that these items be investigated and permanently 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 non-monetary relief
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
The credit bureau TransUnion is reporting a bankruptcy on my credit report, attributing the information to the US Bankruptcy Court. I have attached a letter from the US Bankruptcy Court verifying that they do not furnish Information to credit bureaus or any credit monitoring service, nor do they verify reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to Q Gy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE. What would be a fair resolution to this issue? I request that you immediately remove this invalid information from my credit report. It is severely damaging my reputation and hindering my ability to secure employment to support my family.

I have attached a letter from UNITED STATES BANKRUPTCY COURT stating they do not report this information and it should NOT be on 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 non-monetary relief
Consumer complaint received 2025-04-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX  and all three credit reporting agencies Equifax, Experian, and TransUnion for reporting false and outdated information on my credit file. This credit card account was opened in XX/XX/XXXX and charged off in XX/XX/XXXX with a {$700.00} credit limit. It was closed and inactive since XXXX. 

However, in XX/XX/XXXX, the account was improperly updated with a new balance of {$880.00} and marked as recently past due, which is false. This is a re-aging violation and misrepresentation of the accounts true history. Under 15 U.S. Code 1681c of the Fair Credit Reporting Act ( FCRA ), negative accounts like charge-offs can not be reported for more than 7 years after the first delinquency. 

This account should have been removed from my credit report, not updated with a higher balance or re-reported as new. I contacted Equifax, and they advised me to file an FTC complaint, which I have done and attached. I am requesting full deletion of this account from all three credit bureaus due to this violation.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX  and all three credit reporting agencies Equifax, Experian, and TransUnion for reporting false and outdated information on my credit file. This credit card account was opened in XX/XX/XXXX and charged off in XX/XX/XXXX with a {$700.00} credit limit. It was closed and inactive since XXXX. 

However, in XX/XX/XXXX, the account was improperly updated with a new balance of {$880.00} and marked as recently past due, which is false. This is a re-aging violation and misrepresentation of the accounts true history. Under 15 U.S. Code 1681c of the Fair Credit Reporting Act ( FCRA ), negative accounts like charge-offs can not be reported for more than 7 years after the first delinquency. 

This account should have been removed from my credit report, not updated with a higher balance or re-reported as new. I contacted Equifax, and they advised me to file an FTC complaint, which I have done and attached. I am requesting full deletion of this account from all three credit bureaus due to this violation.

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 2025-04-15 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: FL

Complaint narrative:
I recently reviewed my credit report an noticed an account that was not reporting accurately. I had one 60 day late payment on an account that is in fact paid on time. Also this account doesn't have a 30 day late payment proving that this is a true error. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date ( XX/XX/year> ) .I 'm now requesting you to investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. As you can view from my history I take payments serious.

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 2025-04-15 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: NJ

Complaint narrative:
MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED. 
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft XXXX, XXXX XXXX # XXXX OPEN DATE XX/XX/XXXX XXXX XXXX XXXX # XXXX OPEN DATE XX/XX/XXXX XXXX ACT # XXXX XX/XX/XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely compliance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX  Account number XXXX For identity verification, I am including the following documents : A copy of my XXXXissued ID A copy of my Social Security card A recent bank statement showing my current address

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