vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: OR

Complaint narrative:
I moved out of the apartment complex " XXXX XXXX at XXXX XXXX '' ( managed by XXXX XXXX ) and received a move-out charge notice by mail dated XX/XX/year>. On XX/XX/XXXX and again on XX/XX/XXXX, I contacted the property by email requesting documentation to support the charges. On XX/XX/XXXX, they responded that they were gathering the information, and on XX/XX/XXXX they sent photos and acknowledged that they had overcharged me on the cleaning fee. 

After reviewing the documentation, I replied on XX/XX/XXXX noting discrepancies. For example, they claimed there were over XXXX wall holes, but the photos clearly show only XXXX some of which were under XXXX '', which is generally considered normal wear and tear. I also raised concern about being charged to repaint the insides of cabinets, where paint had been peeling due to poor quality or application, not tenant damage. I received no response to that message or to follow-up emails sent on XX/XX/XXXX and XX/XX/XXXX. 

Despite the open and unresolved dispute, I began receiving calls from a collection agency starting XX/XX/XXXX. I answered a call on XX/XX/XXXX and learned they are attempting to collect the disputed amount on behalf of the apartment complex. This collection attempt began while the dispute was still active and without resolution or any formal follow-up. 

I am requesting that this collection activity be paused or withdrawn until the matter is resolved, and that the inaccurate charges be removed or adjusted appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XXXX with the XXXX XXXX XXXX. The list below has violated my federally protected consumers rights to privacy and confidentiality under 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX State I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than PLEASE REMOVE ALL ACCOUNTS A.S.A.P XXXX XXXX CODE XXXX XXXX XXXX CODE XXXX XXXX ACCOUNTS : Type : XXXX XXXX XXXX XXXX XXXX XXXX  Status : XXXX XXXX Date Filed/Reported : Reference XXXX XXXX XXXXXXXX XXXX - Court : 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 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 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 2025-06-05 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: MI

Complaint narrative:
In XXXX with the XXXX XXXX XXXX. The list below has violated my federally protected consumers rights to privacy and confidentiality under 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX State I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than PLEASE REMOVE ALL ACCOUNTS A.S.A.P XXXX XXXX CODE XXXX XXXX XXXX CODE XXXX XXXX ACCOUNTS : Type : XXXX XXXX XXXX XXXX XXXX XXXX  Status : XXXX XXXX Date Filed/Reported : Reference XXXX XXXX XXXXXXXX XXXX - Court : 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 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 2025-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has illegally reinserted multiple previously deleted accounts into my credit report, specifically involving XXXX XXXX XXXX  ( XXXX and XXXX ). These accounts were previously disputed and removed from my file. However, they were reinserted without notifying me in writing within 5 business days, and without certification of accuracy from the furnishers, which is a clear violation of FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). 

Equifax also failed to : Provide the name and address of the furnisher as required by FCRA 611 ( a ) ( 6 ) ( B ) Properly investigate my dispute, in violation of FCRA 611 ( a ) ( 1 ) ( A ) Maintain reasonable accuracy procedures, violating FCRA 607 ( b ) Consistently report the accounts, as they do not appear on XXXX  or XXXX  Prevent improper re-aging of the charge-off timelines, in violation of FCRA 605 ( c ) These actions caused damage to my credit, interfered with business and mortgage decisions, and show a pattern of noncompliance and willful negligence.

I have documented evidence, including time-stamped screenshots, confirming : The accounts were previously deleted They were reinserted within 24 hours Equifax previously stated these accounts were not reporting yet they are now present again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I submitted a written dispute letter to ExperianXXXX XXXX XXXX XXXX  on XX/XX/year>, requesting the removal of XXXX inaccurate accounts from my credit file. The letter was delivered to Experian on XX/XX/year>, at XXXX PM, as confirmed by XXXX tracking number XXXX. 

XXXX XXXX XXXX  conducted proper investigations and removed the XXXX accounts from my credit report. However, Experian failed to investigate the dispute in accordance with the Fair Credit Reporting Act ( FCRA ) and continued to report the same XXXX accounts. 

I then submitted additional disputes through ExperianXXXX online portal, and dispute results were generated on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite these multiple attempts to resolve the issue, Experian failed to properly investigate the disputed accounts and continued to report the same inaccurate information on my credit file. The XXXX accounts remain on my credit file despite multiple good-faith efforts to have them properly investigated and removed. 

ExperianXXXX failure to reasonably investigate my disputes is a violation of the XXXX XXXX XXXX Section XXXX, XXXX XXXX XXXX Section XXXX ( a ) ( XXXX ) ( B ) and the FCRA. I am requesting that the CFPB assist in ensuring Experian fulfills its legal obligations by properly investigating and correcting the disputed information on my credit file.

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 2025-06-05 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: FL

Complaint narrative:
This correspondence is to inform you of fraudulent accounts added to my credit profile due to a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete the accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX Northwest XXXX XXXX XXXX XXXXXXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} Inquiries XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am formally requesting the elimination of the inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion and support my claim of identity theft, PLEASE BLOCK ANF REMOVE these accounts and inquiries from my consumer 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 explanation
Consumer complaint received 2025-06-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the elimination of the inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion and support my claim of identity theft, PLEASE BLOCK ANF REMOVE these accounts and inquiries from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
To whom it may concern, my name is XXXX XXXX and my Cash app account was infiltrated on XX/XX/year> by a person who withdrew {$2500.00} from my Account when I reported it to Cash app they did nothing and told me they were going to investigate. And later they told me to make a police report I complied and made a police report. I emailed them all the information they requested fom me and they sent an email later saying that their decision has been made however, they did not acknowledge the fraud on my account and dismissed it And told me my account is in a negative balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CO

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-05 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I attempted to make my monthly payment on my CCB/XXXX XXXX XXXX but was unable to make the payment due to the online website undergoing maintenance. I then attempted to call and make payment over the phone only to find out this option was not available due to also undergoing maintenance. I checked numerous times throughout the following weeks only to get the same result and was unable to make a payment on my XXXX credit card account resulting in missed payments being reported to my credit report. This has negatively affected my credit score and impacted me financially. It also shows that I have only made 53 % of my payments on time for this account and this is inaccurate as well. I feel like this is a result of XXXX/Comenity Banks system being down and under maintenance and I should not be at fault for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$13000.00} Inquiries XXXX XXXX XXXXXXXX Date : 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 2025-06-05 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: MI

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$13000.00} Inquiries XXXX XXXX XXXXXXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
I have submitted more than five formal disputes to TransUnion regarding multiple unauthorized hard inquiries that appear on my credit report, despite never initiating or authorizing them. TransUnion has responded to at least two of those disputes with written confirmations that the inquiries were deleted. However, the same inquiries continue to appear on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

I have provided extensive documentation with each dispute, including ID verification and supporting evidence. This includes the PDF TransUnion mailed to me on XX/XX/XXXX, confirming the deletion of the following inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite receiving confirmation of deletion, many of these inquiries remain on my TransUnion credit report. TransUnions continued failure to honor their own deletion notices and to maintain accurate reporting constitutes willful noncompliance with : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Obligation to delete unverifiable information 15 U.S.C. 1681e ( b ) Duty to maintain maximum possible accuracy 15 U.S.C. 1681b ( c ) Prohibition on inquiries not initiated by the consumer 15 U.S.C. 1681n and 1681o Civil liability for willful and negligent noncompliance These actions are harming my credit profile and exposing TransUnion to legal liability. I demand full federal review and intervention.

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 2025-06-05 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: AL

Complaint narrative:
Please block and delete the unauthorized accounts from my credit file as soon as possible. I have no knowledge of these accounts, nor did I authorize them. As provided under USC 1681g, I am requesting their removal within 15 days. Enclosed are the relevant documents for your review. It is also important to note that each bureau is reporting different and inaccurate information for these accounts.

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