vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 explanation
Consumer complaint received 2025-04-12 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Immediate Action Required Under FCRA 605B ( 15 USC 1681c-2 ) - Demand for Removal of Fraudulent Information To Whom It May Concern, This letter serves as an official demand for the immediate removal of fraudulent and inaccurate information from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, codified at 15 U.S. Code 1681c-2. Under this provision, you are legally obligated to block fraudulent information from my credit report within four ( 4 ) business days of receiving this formal notification. 
The following accounts have been falsely reported to your agency and must be blocked without delay as they are the direct result of identity theft and were never authorized by me : Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened using my personal information, and I have attached all necessary supporting documentation ( such as my identity theft affidavit, police report, and any additional records you may require ). Failure to comply with FCRA Section 605B is not only a violation of my rights under federal law but also exposes your agency to potential civil liability.

As stipulated under FCRA 605B : You are required to block this information from my credit report no later than four ( 4 ) business days from the receipt of this notice. 
The fraudulent accounts must be removed from my credit file and no longer appear in any future credit reports issued by your agency. 
You are prohibited from re-inserting these fraudulent items unless you have a good-faith basis to believe that the information is accurate. If such action is taken, you are further required to provide me with written notice of this reinsertion within five ( 5 ) business days, detailing the basis for your decision. 


Please understand that this is not a request but a formal demand for compliance with federal law. Your failure to respond and take appropriate action will be met with the immediate pursuit of all available legal remedies, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation under the FCRA. 
I expect to receive written confirmation that the fraudulent accounts listed above have been blocked and permanently removed from my credit file as required by law. 
This matter requires your immediate attention, and I anticipate your prompt and thorough compliance. 
Sincerely, XXXX DOB:XXXX SSN : XXXX Enclosures : FTC FCRA 605B ( 15 USC 1681c-2 ) Identification Social Security Card Utility Bill

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
I am writing to dispute inaccurate information on my credit report regarding the XXXX XXXX account listed above. Specifically, I am disputing the following : Account Number XXXX Your report indicates misinformation - and inaccurate information - regarding the Date of Last Activity, the Date Opened, Last Payment Amount, Account Type, and the Payment History for XXXX and XXXX. As Equifax proves I was never late in XXXX and XXXX and XXXX Prove I was not late in XXXX. The payment was made on time, and this inaccuracy proves there was an error in processing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
I was a user of cash app with absolutely no issues, when on XX/XX/year> my account was abruptly closed. I contacted cashapp support to inquire about the closure I was only told that something may have violated Terms of Service, I was told that I could appeal the closure, I began the appeals process, confident that the situation could be resolved, but received a different email within a few days that my right to appeal the decision was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to 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 2025-04-12 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: FL

Complaint narrative:
XX/XX/year> I sent documentation to equifax too update them on the status of the accounts on my credit file, they insist it was accurate but i have proof of me paying the creditor directly to paid and full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: IL

Complaint narrative:
I previously disputed a XXXX account ( Acct # XXXX ) on my Equifax credit report due to inaccurate balance reporting after the account was closed and charged off in XXXX. 

Equifax acknowledged the issue and partially corrected some fields, but the monthly balance continued to report {$6800.00} as recently as XXXX. 

I am now requesting full deletion of this account under FCRA 611, as the information was materially inaccurate for over a year, and the furnisher has not provided verifiable evidence of the balance history. 

If this account is considered verified, I request the Method of Verification under FCRA 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NY

Complaint narrative:
XXXX XXXX agreed to stop all efforts of debt in complaint # XXXX and had removed the XXXX XXXX account from my Experian report. They are now reporting it again and have added it back to my report. I even left positive feedback because they at first followed thru with what was agreed upon. Now I have to submit another complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
NetCredit charged me an interest rate that exceeds Florida 's legal limit for consumer loans. I entered into a payment plan with NetCredit to resolve the account, but after agreeing to the plan, they failed to honor it. Despite my efforts to contact them multiple times to ask why agreed payment plan was not being processed correctly, I was ignored. 

I made a {$400.00} payment on XX/XX/year>, in good faith toward the balance. However, on XX/XX/year>, NetCredit sent my account to collections without properly applying the payment or honoring the agreed plan. 

This conduct violates Florida 's usury laws, as well as federal fair lending and fair debt collections laws. As a result, this loan is illegal and unenforceable. 

I am requesting that NetCredit immediately : *Delete the account entirely from all of my credit reports ( XXXX, XXXX XXXX and XXXX XXXX *Recall any collection activity *Cease any attempts to collect on this account *Acknowledge that I do not owe any further payments *Refund the {$400.00} payment I made, or apply it toward the deletion of this account Failure to do so will result in additional complaints to the Florida Attorney General and further legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: WI

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Experian. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed 3 times as : - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, Wi XXXX. While my credit report shows an outdated address of : - XXXX XXXX XXXX XXXX # XXXX, XXXX, Tx XXXX - XXXX XXXX XXXX XXXX XXXX, Tx XXXX. 
I request that my current address be updated accordingly. 

3. Incorrect employer Information : My current employer is XXXX. XXXX while my credit report show an - XXXX XXXX. 
I request that my current employer be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 

Request for Confirmation : I request that Experian investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX. 

Thank you for your prompt attention to 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 2025-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened this line of credit to pay for XXXX XXXX for my dog. At the time if paid off within a year no interest or finance charges! I continued to pay on time every month without any issues. They tried to code it as a balance transfer there was no balance transfer! I made XXXX charge on this account the whole time give had it and have never been late! I had intended to pay it off but my home got hit by XXXX XXXX  XXXX and XXXX. I would have paid the balance off but I had to allocate the funds to the repairs which I am still dealing with and continue to pay my bills on time. The balance was not paid off in a year and so they added {$550.00} to my balance as well as charging me interest on interest! This is fraud I should only be paying on the balance thats left instead Im double paying! Ive tried to resolve this by chatting but no resolution! I want the {$550.00} removed from my account as well the interest they charging on it! I should only be paying off the balance that is remaining not paying on a {$550.00} fee they just added to my account! Its absurd and ridiculous to do a customer like this! Not to include I pay additional fees for balance protection in the event that I can no longer pay my bills! I am also United States XXXX XXXX Veteran living off of my pension and I feel very violated! This organization needs to be fined for taking advantage of consumers like this and it needs to be reported to the Federal Government and Trade Commissioner! Its fraud at its best!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX : XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, XXXX Customer Support : XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). 

And according to 15 USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generall if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. XXXXB ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Sent from my XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2025-04-12 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: FL

Complaint narrative:
I dispute these accounts with Equifax because they all went in delinquency due to me being a victim of XXXX, XXXX, and loss wages in XXXX. I settled accounts with XXXX XXXX and XXXX XXXX, and they still refuse to remove from my credit and still reporting as delinquent. Even though I provided proof of Hospitalization and loss wages. Both companies has another account on my report which was affected by the same disaster, XXXX XXXX sold the their account and got paid to XXXX XXXX XXXX without any notification and didnt not honor the credit protection agreement I placed on the card in case of national disaster, loss wages or sickness. XXXX XXXX waited until this year to place this old account on my credit as a new current collection after attempting to call me once. I returned the call the representative stated I didnt have an account in their system and has not provided rightful ownership of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
fair collections and outsourcing is reporting a debt on my credit report as the original creditor, but t I have never done business with this company. I have no knowledge of any debt owed to them, and they are not the original provider of any service or loan I've used. 

This account, listed with a balance of XXXX and marked as placed for collection is damaging my credit and a violation of 18 U.S. Code 894 specifically reporting information on my credit file in a way that has severely damaged my credit personal and professional reputation. This is being used directly or indirectly as a means to pressure me into repayment of a disputed or unverifiable debt. The nature of the reporting has caused me emotional distress and created legitimate fear regarding my financial future, employment opportunities, and access to housing and credit. 
This account listed with a balance of XXXX and marked as " placed for collection '' is damaging my credit. I have already disputed this directly with the credit bureau but I am requesting the CFPB investigate this matter further. This ay be a case of identity theft or incorrect reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: FL

Complaint narrative:
My personal and financial data was compromised violating FERPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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