vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX Subject : Dispute of Account Reporting Dear XXXXXXXX XXXX XXXX Customer Service, I am writing to formally dispute the accuracy of the information reported on my credit report regarding my XXXXXXXX XXXX XXXX account ( Account Number : [ Your Account Number ] ). According to my records, the status of this account reflects a payment status of " 120 Days Late, '' which I believe is incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. I request that you investigate this matter and correct any inaccuracies. Specifically, I would like to challenge the following details : 1. **Payment Status** : The account is reported as " 120 Days Late. '' I believe this status is inaccurate due to [ briefly explain your reason, e.g., payments made on time, misunderstanding, etc. ]. As per 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate information.

2. **Amount Past Due** : The reported amount past due is {$150.00}. I request clarification on this amount and how it was calculated. Under 15 U.S.C. 1681s-2 ( b ), I expect a thorough investigation into this claim.

3. **Credit Utilization** : The report indicates that my credit used is at 139 % of my credit limit, which appears to be a mistake and does not accurately reflect my actual usage. Falsely reporting information is prohibited under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

I also remind you that the FCRA mandates that you complete your investigation and respond to me within 30 days of receiving this dispute, as outlined in 15 U.S.C. 1681i ( a ) ( 1 ). 

Please provide me with any documentation that supports the current status of this account, including payment history and communications regarding this account. Additionally, ensure that my account information is reported accurately to the credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
I continue to dispute the validity of the alleged debt, and they continue to 1. Maliciously, and purposefully reporting that this amount is passed due monthly forcing it to affect change to my beacon score lowering it way more than what it should be.

2. Purposely not reporting how long it is supposedly been delinquent.

3. Falsely claiming they are the original creditor!

They never respond to any of my letters!

I Have requested many times under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g for them to please provide the following information to validate this debt : 1. Proof that I owe the debt, including the original creditors name, the account number, and a detailed account history.

2. A copy of the original agreement that legally obligates me to pay the debt.

3. Evidence of your legal authority to collect this debt, including any assignment or ownership documents.

4. Verification of the amount owed, including any fees, interest, or penalties added to the original balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NJ

Complaint narrative:
On XX/XX/year> XXXX there was a traction on on my cash app account for XXXX dollars they told me it was going to take XXXX business days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I was scammed on the Block app formally known as Cashapp and I requesting for all transactions to be returned and refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I HAVE BEEN DEALING WITH A LOT OF TROUBLES BECAUSE I AM A VICTIM OF IDENTITY FRAUD. SOMEONE HAS BEEN USING MY IDENTITY TO RECEIVE SERVICES AND GOODS USING MY IDENTITY FRAUDULENTLY. PLEASE HELP ME BY SEEING ATTACHED SUPPORTING DOCUMENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I HAVE BEEN DEALING WITH A LOT OF TROUBLES BECAUSE I AM A VICTIM OF IDENTITY FRAUD. SOMEONE HAS BEEN USING MY IDENTITY TO RECEIVE SERVICES AND GOODS USING MY IDENTITY FRAUDULENTLY. PLEASE HELP ME BY SEEING ATTACHED SUPPORTING DOCUMENTATION.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX  : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, submit 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 : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX 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. 
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 Number. 
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. 
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 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint to dispute certain debts that are inaccurately reporting on my credit report. My information has been leaked in multiple data breaches. According to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have requested validation of these debts, as they do not belong to me. 
Details of Complaint : The debts listed on my credit report are not mine. 
Under 15 U.S.C. 1692g ( FDCPA ), I have the right to request that the debt collector provide written validation of the debt, including the original creditors name, the amount of the debt, and proof that I am legally responsible for the debt. 
Additionally, under 15 U.S.C. 1681i ( FCRA ), I have the right to dispute inaccurate information on my credit report, and the credit reporting agencies are required to investigate and correct any inaccurate information within 30 days. 
The debt collectors have not provided sufficient documentation to prove that these debts are valid or that I am responsible for them. 
Reporting inaccurate or unverifiable debts is a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and complete information in consumer reports. 
Requested Resolution : 1. I request that the CFPB investigate this matter and direct the credit reporting agencies to remove the disputed debts from my credit report unless the debt collectors can provide : o A signed contract or agreement proving that I am responsible for the debt. 
o A complete payment history, including the original creditors name and address.

o Proof of assignment or transfer of the debt ( if applicable ).

2. If the debt collectors are unable to provide this documentation, the debt should be permanently removed from my credit report, as required under 15 U.S.C. 1681i.

3. I also request that the CFPB ensure that the credit reporting agencies and debt collectors comply with all provisions of the FCRA and FDCPA moving forward to prevent further inaccurate reporting. 
I appreciate your attention to this matter and expect a resolution within the legally required time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence. 

The following accounts require immediate review and correction : XXXX XXXX - XXXX - {$0.00} XXXX  - XXXX - {$1000.00} XXXX  - XXXX - {$1100.00} Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
according to the fair credit report act ( FCRA ) Section 605b.It is illegal to report information on my credit report without my permission. Please update as ( PAANL ) Paid as agreed

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX ( an unelected official ) instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including the financial aid dataset that contains the personal information of XXXX  of students enrolled in the federal student aid programs. My information was among that dataset that has been compromised. FERPA is a U.S. federal law that regulates access and disclosure of student education records and DOGE has clearly violated this law. 

XXXX XXXX XXXX XXXX  Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Current Balance {$5800.00} XXXX XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Current Balance {$9000.00} Loan Type XXXX XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Original Principal {$8000.00} Current Balance {$15000.00} Loan Type DIRECT School XXXX XXXX  Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Original Principal {$5600.00} Current Balance {$9600.00} Total Current Balance : {$40000.00} Total Number of Loans : XXXX Discharge all student loans on my account due to this clear violation. FERPA is a U.S. federal law that regulates access and disclosure of student education records. Also remove these items from all of the major credit agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
DEPT OF EDUCATIONXXXX : # XXXX, XXXX XXXX  : # XX/XX/year>, has violated my rights.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
RECENTLY I HAVE BEEN DEALING WITH A LOT OF XXXX  DUE TO MY EXPERIENCE OF BEING A VICTIM XXXX XXXX XXXX UNDER 605C. PLEASE SEE ATTACHED DOCUMENTS TO FURTHER SUPPORT MY CLAIM AND HELP ME GET MY LIFE BACK AND REMOVE ALL FRAUDULENT ACTIVITY 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. Please verify or remove immediately the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX  Inquires are incorrect and I didnt apply for any cards : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Correct address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Address is incorrect I never lived at this address : XXXX XXXX XXXX XXXX, XXXX, XXXX I ask to see the original contract Please remove this inaccurate information from my credit report. 

Key inconsistencies are found in total accounts, open/closed accounts, debt in collections, and hard inquiries. Experian is missing a significant amount of account data, especially for revolving, installment, and collection accounts. Additionally, name and address formatting is inconsistent across the bureaus, and Experian lacks crucial personal and account information compared to Equifax and TransUnion. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation immediately and delete Significant inconsistencies exist in the payment status, responsibility, and times late categories. Experian is missing almost all relevant information, which further creates discrepancies across the bureaus. Additionally, TransUnion reports missed payments while Equifax reports charged off status, creating conflicting data.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear CFPB Dispute Department, I am filing a formal dispute under 15 U.S. Code 1666, 1666 ( b ), and 1681n regarding an inaccurately reported late payment on my credit file for my XXXX  XXXX, Transunion, XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX The report states that my payment was [ XX/XX/scrub>30/60/90 ] days late, which I believe is incorrect. 

Under 15 U.S. Code 1666 ( b ), I am exercising my right to dispute this billing error and request a thorough investigation. Specifically, I ask that you obtain and review : 1. A detailed breakdown of my payment history, including due dates and actual received dates.

2. Time-stamped records of when the allegedly late payment ( s ) were received and processed. 
XXXX. Any supporting documentation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Transunion, XXXXXXXX XXXX, Verifying the accuracy of this reported delinquency. 

Additionally, under 15 U.S. Code 1681n, if it is found that XXXX XXXX willfully provided inaccurate information or failed to properly investigate my dispute, they may be held liable for damages. I request that XXXX XXXX be required to produce verifiable documentation proving the validity of this late payment. If they can not, I demand its immediate removal under both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).

I appreciate your prompt attention to this matter and expect a response within the legally required time frame. Please provide written confirmation of the resolution. Should you need any additional information, please contact me at the phone number or email listed above.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Dear CFPB Dispute Department, I am filing a formal dispute under 15 U.S. Code 1666, 1666 ( b ), and 1681n regarding an inaccurately reported late payment on my credit file for my Capital One, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, The report states that my payment was [ 30/60/90 ] days late, which I believe is incorrect. 

Under 15 U.S. Code 1666 ( b ), I am exercising my right to dispute this billing error and request a thorough investigation. Specifically, I ask that you obtain and review : 1. A detailed breakdown of my payment history, including due dates and actual received dates.

2. Time-stamped records of when the allegedly late payment ( s ) were received and processed. 
XXXX. Any supporting documentation from Capital One bank, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, Verifying the accuracy of this reported delinquency. 

Additionally, under 15 U.S. Code 1681n, if it is found that Capital One willfully provided inaccurate information or failed to properly investigate my dispute, they may be held liable for damages. I request that Capital One be required to produce verifiable documentation proving the validity of this late payment. If they can not, I demand its immediate removal under both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt attention to this matter and expect a response within the legally required time frame. Please provide written confirmation of the resolution. Should you need any additional information, please contact me at the phone number or email listed above. 

Sincerely,

Company response to consumer: Closed with explanation