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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

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 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: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My Experian credit report contains serious reporting errors that should have never been included. This level of negligence is unacceptable and raises major concerns about the reliability of your verification process. These inaccuracies are actively damaging my credit profile, and I will not allow them to go unchallenged. 

The following disputed accounts need immediate correction : Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CO XXXX XX/XX/2023 As a consumer, I am legally entitled to a credit report free from false or unverifiable information. The FCRA mandates that all reported data must be 100 % accurate and provable. If these errors can not be supported by concrete documentation, they must be removed immediately. I demand a thorough reinvestigation and immediate resolutiondelays will not be tolerated.

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: EQUIFAX, INC.
State: NY

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 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts were opened in my name without my consent. Specifically, a XXXX XXXX XXXX. account and an XXXX account were fraudulently opened. I disputed these accounts with XXXX, Equifax, and XXXX, requesting their removal from my credit report. 

However, despite providing supporting documentation, including a restraining order against the individual responsible, I received a response stating that the accounts were " verified. '' The credit bureaus did not provide any details regarding their investigation, and I was not given any proof that they actually verified the accounts properly. 

I recently came across the CFPB lawsuit against XXXX, and I feel that I was negatively impacted by XXXX, as well as Equifax and XXXX. Their failure to conduct a proper investigation has hurt my chances at obtaining credit, despite my clear evidence that these accounts are fraudulent. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to hold these credit bureaus accountable and ensure that they comply with the Fair Credit Reporting Act ( FCRA ) by properly investigating disputes and removing fraudulent accounts.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX for XX/XX/year>. I contacted the Consumer Reporting Agencies to dispute this error, but they failed to conduct a proper investigation and have continued reporting the incorrect late payment. I requested verification of the late payment and documentation proving it was reported correctly, but I have not received any supporting evidence. The late payment should not have been reported, and its continued presence on my credit report is negatively affecting my credit. I am requesting the immediate removal of this inaccurate late payment and confirmation that my credit report has been updated accordingly.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : XX/XX/year>, 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 non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
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: 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: IL

Complaint narrative:
I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to Fraud or unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604.

I have previously contacted the relevant companies and have determined that these actions were undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated. 
Listed below are the Personal Information that are being challenged Employer - XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXXXXXX XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  XXXX  - XXXX XXXX  - XXXX XXXX  XXXX - XXXX attached is the actual dispute letter and inaccuracies list with violations

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: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: PA

Complaint narrative:
Started off with multiple small transactions in the amounts, {$1.00} and continued to larger transactions in the amount of {$500.00}. 
Blocked the merchant and contacted cashapp for support to which I get no help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have been trying to get rid of this for years but have had no luck. I have never lived in XXXX XXXX and this bill is from someone who used my information and is tied to a home in XXXX XXXX. Again, it is not mine and I have never lived in XXXX XXXX.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing an auto loan account originally opened on XX/XX/XXXX with XXXX XXXX XXXX XXXX, which was charged off on XX/XX/XXXX. Despite this, the company continues to report the account to Experian as unpaid. According to their own letter, a settlement offer was extended but not satisfied, and the account was charged off over six years ago. 

A charged-off account is typically written off for tax purposes. If the creditor issued a Form 1099-C ( Cancellation of Debt ) or received tax benefits from the charge-off, they are not allowed to continue reporting the debt as unpaid or attempt further collection. I requested confirmation of this and demanded the removal or correction of the reporting. I have also disputed this with Experian directly. 

This continued reporting may violate the Fair Credit Reporting Act ( FCRA ) and IRS regulations if the debt was canceled. I am requesting that this account be removed or updated to Paid or Settled immediately.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am fileing this cFPB report in pursuit of FCRA 605B-15 US code 1681 c-2 that you XXXX the credit report agency block all fraudulent information appearing on my consumer credit report within 4 days of you receiving this complaint the fraudulent accounts consist of one personal credit card at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-17 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: 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 non-monetary relief
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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My Experian credit report contains serious reporting errors that should have never been included. This level of negligence is unacceptable and raises major concerns about the reliability of your verification process. These inaccuracies are actively damaging my credit profile, and I will not allow them to go unchallenged. 

The following disputed accounts need immediate correction : Company Name : XXXX XXXX - Account # : XXXX - Balance : {$2800.00} Company Name : XXXX XXXX XXXX - Account # : XXXX - Balance : {$100000.00} As a consumer, I am legally entitled to a credit report free from false or unverifiable information. The FCRA mandates that all reported data must be 100 % accurate and provable. If these errors can not be supported by concrete documentation, they must be removed immediately. I demand a thorough reinvestigation and immediate resolutiondelays will not be tolerated.

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:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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