vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 inconvenient and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NY

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : My correct address is : XXXXXXXX XXXX XXXX XXXXXXXX Fl XXXX My employer is : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00}

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: The Car Network llc
State: TX

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX from The Car Network under a financing plan intended to help rebuild credit. The agreement included biweekly payments of {$190.00}. Within weeks of purchase, the vehicle exhibited serious mechanical issues, particularly with the steering. We returned the car for repairs multiple times, but the problems persisted. A XX/XX/XXXX inspection from an independent mechanic confirmed numerous dangerous defects : bad ball joints, leaking shocks, broken stabilizer links, and a leaking rack and pinion. The vehicle was deemed unsafe to drive. 
We were left without a reliable vehicle for over a month, relying on costly rideshares to get to work and care for our childrenincluding a newbornwhile continuing to make payments. 
When we reported this to The XXXX XXXX, instead of taking responsibility or offering support, they focused on who would pay for the repairs under the service contract. After multiple failed repair attempts, the dealer offered to switch us into a different vehiclea XXXX XXXX XXXX a resolution. However, instead of issuing a fair replacement agreement, they charged a total vehicle price of {$18000.00} ( including {$7900.00} in finance charges ) for a car listed at {$10000.00}. The trade-in equity from the XXXX was applied as a down payment. 

We agreed under pressure, just to secure a working vehicle. 

Since then, we've been making biweekly payments of {$240.00}, which include a {$50.00} charge per payment for " lender-placed insurance. '' Despite regular payments, the principal has barely decreased. Upon review, I discovered the loan carries an annual interest rate of XXXX XXXX, which was not clearly disclosed or understood at the time of signing. 

We have asked for clarification regarding the charges and insurance but were met with confusion and deflection. We were never given a clear breakdown or explanation. 

I am filing this complaint now after exhausting attempts to resolve this matter with the business directly. The loan terms are excessive, unfair, and may constitute predatory lending. The contract appears structured in a way that primarily benefits the lender while trapping us in debt on a vehicle of questionable value.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Regional Acceptance, has the account opened, and delinquent. I was a victim of Identity theft, by forged documents, and forged signatures, to closed my bank accounts, hijack VA benefits checks, and deposit all monies in her account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX was repossessed. I picked it up, and later paid it off. I filled out paperwork they sent validating what she did. 
The have me continued late payments, and account opened. XXXX, because I picked up the XXXX then, paying all fees, and later paid it off completely. 
Regional Acceptance credit reporting is incorrect, and inaccurate. They are not truthfully reporting correctly. The account as been closed for some years. 
I want this deleted. It's been closed, and unfair reporting, and they know this. The VA Appeals Court still has this on the docate for Court when ready. 
Regional was paid on time, then paid off in full. I see where there are nothing but negative reviews on the company. 
Identity theft by the woman caused the government to stop my pay until the {$27000.00} was paid. She did all those grimy deeds, implicating me while hospitalized. 
I want this deleted ASAP.

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 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
My wife and I just purchased a property in XXXX XXXX, CA. Please refer to " Transfer & Assumption Application '' attachment. However, there was a lien on the property due to the loan of the solar panels with Regions Bank by the seller. Regions Bank guided the seller to have the buyer, my wife and me, to apply for a transfer and assumption of the loan. In a result, Regions Bank has preformed a very questionable and perhaps illegal process. 

Regions Bank has misguided the seller to ask through the real estate agents for my wife 's and my personal information, including our social security numbers, bank statements, student loans, and tax returns to be sent to the seller to submit the application. With this misguidance, the seller who is a non-licensed non-professional obtained and submitted our personal information and Regions Bank unrightfully accepted our application from the seller, an unauthorized party, on or around XX/XX/year>. 

My wife XXXX XXXX called into Regions Bank on or around XX/XX/year> and although she is XXXX of the applications of which Regions Bank has all her personal information, Regions bank denied to speak to XXXX explaining she is not authorized. It is unlawful for Regions Bank to deny XXXX information with regards to her own application. 

My Mortgage lender, XXXX XXXX, called into Regions Bank on or around XX/XX/year> and was also denied to speak with regards to the application even though XXXX XXXX and I authorized XXXX on the application. Please see the attached " Transfer & Assumption Application '', XXXX # XXXX, " Authorized XXXX * ''. 

After receiving notice that our application was denied on or around XX/XX/year>, I had sent in a signed letter requesting " specific reasons '' for the denial to Regions bank and they had sent back an unspecific reason for the denial on XX/XX/year> ; attached " Adverse Letter '' with a vague XXXX word explanation. When I had requested further explanation of their statement " Excessive Obligations in Relation to Income '' on XX/XX/year>, I was ignored. 

I highly suspect foul play. As a result, Regions Bank coerced us as the Buyer, and the Sellers to pay off the full amount of the loan rather than have me assume a low rate in relation to todays market.

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 2025-05-13 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:
I recently obtained my credit report from XXXX and found several errors that need to be corrected. I am formally asking for a complete reinvestigation of the accounts and personal information listed below, as allowed under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ). This letter also serves as a dispute, a request for the method of verification, and a request for full file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

To be clear, this is a specific and valid dispute. I am not requesting generic responses or pre-written form letters. I personally prepared and submitted each of my disputes, including the necessary identification and documents to help process them correctly. Under the Fair Credit Reporting Act, you are required to perform a full and honest reinvestigation of the item in question, including all related information, codes, and data, not just the tradeline.

Disputed Items 1. Late Payment ( Closed/Paid ) ATLCAPBKSELF Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are reporting inaccurately and/or can not be verified as required by law. If any aspect of these tradelinesincluding balance, status, payment history, remarks, or date openedis inaccurate or unverifiable, you are legally obligated to delete them entirely under 15 U.S.C. 1681i ( a ) ( 5 ).

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 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
I requested disconnection of my XXXX XXXX service on XX/XX/XXXX, and the service was fully disconnected on XX/XX/XXXX. 
During disconnection, XXXX customer service ( via chat on XX/XX/XXXX ) informed me : Your estimated bill is {$0.00} which includes the end of your bill cycle. This is not your final bill as you may receive more than XXXX additional bill to complete the charges for your account, based on your actual disconnect date I understood this to mean I would only be charged for actual usage ( December 30-31, 2024 ), so I chose to disconnect immediately. However, XXXX charged me for the full billing cycle ( XX/XX/XXXX, to XX/XX/XXXX ), which I believe was misleading. 
On XX/XX/XXXX, XXXX sent a letter confirming that my final payment of {$38.00} was made on XX/XX/XXXX, Despite this, XXXX XXXX XXXX contacted me on XX/XX/XXXX, claiming I owe {$47.00}. I believe this debt is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: CO

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-05-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7400.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$41000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$41000.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: PA

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 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 explanation
Consumer complaint received 2025-05-13 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: PA

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: AL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$220.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 explanation
Consumer complaint received 2025-05-13 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: AL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$220.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief