vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: MO

Complaint narrative:
Formal Dispute of XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) under FCRA & FDCPA To Whom It May Concern, I am writing to dispute the inaccurate reporting of the XXXX XXXX  account ( # XXXX ) on my credit report. This account was previously removed from my XXXX report, indicating it was either inaccurate, unverifiable, or unsubstantiated. However, it continues to be reported by your bureau, in potential violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Legal Grounds for Dispute : FCRA 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccurate Information Under this law, I formally request an investigation into the accuracy, completeness, and verifiability of this account. 
If XXXX XXXX can not verify the legitimacy and accuracy of the account within 30 days, it must be deleted from my report.

FCRA 609 ( 15 U.S.C. 1681g ) Right to Obtain Verification I demand a full verification of this account, including : A signed contract or agreement proving my obligation to XXXX XXXX. 
A detailed payment history showing how this alleged debt was calculated. 
Proof that XXXX XXXX has the legal authority to report this account. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of Furnishers to Provide Accurate Information If XXXX XXXX  is furnishing inaccurate or unverified information, it is required by law to correct or delete the account. 
Continued reporting of inaccurate, outdated, or unverifiable information may result in legal action.

FDCPA 807 ( 15 U.S.C. 1692e ) Prohibition of False or Misleading Representations If XXXX XXXX can not prove the validity of this debt, continued reporting may constitute fraudulent representation, subject to penalties. 
Requested Action : Immediately remove the XXXX XXXX account ( # XXXX ) from my credit report. 
Provide a written response confirming the deletion or the results of your investigation within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MO

Complaint narrative:
Formal Dispute of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) under FCRA & FDCPA To Whom It May Concern, I am writing to dispute the inaccurate reporting of the XXXX XXXX  account ( # XXXX ) on my credit report. This account was previously removed from my XXXX report, indicating it was either inaccurate, unverifiable, or unsubstantiated. However, it continues to be reported by your bureau, in potential violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Legal Grounds for Dispute : FCRA 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccurate Information Under this law, I formally request an investigation into the accuracy, completeness, and verifiability of this account. 
If XXXX XXXX can not verify the legitimacy and accuracy of the account within 30 days, it must be deleted from my report. 
FCRA 609 ( 15 U.S.C. 1681g ) Right to Obtain Verification I demand a full verification of this account, including : A signed contract or agreement proving my obligation to XXXX XXXX. 
A detailed payment history showing how this alleged debt was calculated. 
Proof that XXXX XXXX has the legal authority to report this account. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of Furnishers to Provide Accurate Information If XXXX XXXX  is furnishing inaccurate or unverified information, it is required by law to correct or delete the account. 
Continued reporting of inaccurate, outdated, or unverifiable information may result in legal action.

FDCPA 807 ( 15 U.S.C. 1692e ) Prohibition of False or Misleading Representations If XXXX XXXX can not prove the validity of this debt, continued reporting may constitute fraudulent representation, subject to penalties. 
Requested Action : Immediately remove the XXXX XXXX account ( # XXXX ) from my credit report. 
Provide a written response confirming the deletion or the results of your investigation within 30 days, as required by law.

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 2025-03-05 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: CA

Complaint narrative:
Duty pursuant to the FCRA, it is EXPERIAN 's to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX inaccurate late payment for the XXXX XXXX XXXX  account ending in XXXX. This includes a 30-day late payment posted in XXXX of XXXX. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experience between the consumer and the person making the report. A late payment constitutes a " transaction ''. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXXXXXX 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. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security XXXX. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
On my cash app account I have authorization charges you I submit a dispute! Before this cash closed my account said I broke term ms which is a lie but they couldnt tell me what it was thats because I didnt! So I call the creditor that have to the money from my account instead of waiting on cash because basically the say their working on it but do nothing the creditor issue a refund for the amount to go back into the account it was taken from but cash app declined the refund because they closed my account so no the creditor says they never have a financial institution do this, so now I cant get the money that was took from me. Cash said the was working on the dispute ok well I took care of it in 30 minutes when they havent done nothing in days. Only for them to decline the refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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 RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED FRAUDULENT OPENED ACCOUTS ON MY REPORT. MY PERSONAL INFORMATION WAS COMPROMISED DURING THE XXXX XXXX BREACH. I HAVE NO KNOWN KNOWELEDGE OF THESE ACCOUNT AND THEY ARE HURTING MY ABILITY TO OBTAIN 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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-05 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: IN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-06 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-05 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: LA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
The account was closed without warning or a letter. They said it was sent and it was never received.

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 2025-03-05 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: ID

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

Company Name : XXXX XXXX - Account # : XXXX - Balance : {$240.00} Company Name : XXXX XXXX - Account # : XXXX - Balance : {$5100.00} Company Name : XXXX XXXX XXXXXXXX XXXX  XXXX - Account # : XXXX - Balance : {$0.00} Company Name : XXXX XXXX XXXX XXXX XXXXXXXX - Account # : XXXX XXXX Balance : {$0.00} Company Name : XXXX XXXX - Account # : XXXX - XXXX XXXX {$2300.00} Company Name XXXX XXXX XXXX XXXX XXXX. - Account # : XXXX - Balance : {$610.00} Company Name XXXX XXXX XXXX Account # : XXXX - Balance : {$1000.00} Company Name : XXXX XXXX XXXX Account # : XXXX - Balance : {$1600.00} Company Name : XXXX XXXX XXXX XXXX - Account # : XXXX - Balance : {$5300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: ID

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have reviewed my credit report and found some errors that must be corrected. In accordance with the Internal Revenue Manual, an unpaid charge off qualifies as income and according to FCRA, income can not be reported on a credit report. I'm requesting a 1099-C ( cancellation of debt ) from the following charged off accounts : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX have provided documentation to confirm that each of these accounts have been sold to different entities for collection. XXXX has sold to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has sold to XXXX XXXX XXXX, and XXXX XXXX has sold to XXXXXXXX XXXX. With these accounts being sold to 3rd parties, they can not be reported as chargeoffs on my credit report. Please send the requested 1099-C form.

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