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

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are they accounts I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have XXXX Capital One cards on my credit report that I never signed up for

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

Complaint narrative:
I have unauthorized inquires on my credit report that I do not recognize I have contacted the creditor XXXX nothing has happened

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

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 2025-05-03 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: 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 XXXX XXXX XXXX XXXX. 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 XXXX of the Fair Credit Reporting Act.

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

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. The item in question is a delinquent account listed under the name XXXX XXXX with the account number [ XXXX ]. I believe this information is incorrect because I made payments and have proof of the same. 

In accordance with the Fair Credit Reporting Act, I am requesting that this item be investigated and either corrected or removed from my credit report. Enclosed are copies of documents supporting my claim, including payment history records. 

I kindly request that you complete the investigation within 30 days, as required by law, and provide a written statement of the results. Should any changes be made to my credit report, I would appreciate it if you could send me an updated copy. 

I thank you for your prompt attention to this matter and eagerly await the resolution of this dispute. 

Warm regards, 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 2025-05-03 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. The item in question is a delinquent account listed under the name XXXX XXXX with the account number [ XXXX ]. I believe this information is incorrect because I made payments and have proof of the same. 

In accordance with the Fair Credit Reporting Act, I am requesting that this item be investigated and either corrected or removed from my credit report. Enclosed are copies of documents supporting my claim, including payment history records. 

I kindly request that you complete the investigation within 30 days, as required by law, and provide a written statement of the results. Should any changes be made to my credit report, I would appreciate it if you could send me an updated copy. 

I thank you for your prompt attention to this matter and eagerly await the resolution of this dispute. 

Warm regards, XXXX XXXX

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

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

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

Complaint narrative:
I am filing this complaint in response to CFPB Case # XXXX, in which the credit bureau XXXX XXXX ACCOUNTS UPDATED. I strongly disagree with this conclusion as nothing was corrected or updated. After receiving the results of your investigation, I contacted the creditor directly, and they could not confirm or support the current reporting on my credit file. This contradicts your findings and casts doubt on the validity of the verification process used. Recently, upon reviewing my credit report, I discovered erroneous late payments that should not be reporting at all. The following account ( XXXX ) are in question : XXXX XXXX * * * *, XXXX XXXX XXXX * * * *. These reported late payments are inaccurate, inconsistent, and violate several consumer protection laws. Under 15 U.S. Code 1681a and 1681a ( 1 ), credit reports must not include transactions or experiences that are unverified or inaccurately reported. Additionally, 15 U.S. Code 1666b outlines the consumers rights regarding billing and payment timingnone of which were followed here. Furthermore, I have not provided any consent for these transactions or for this erroneous information to appear on my credit file. I urge you to TransUnion LLC XXXX XXXX ( formerly TransUnion vs. XXXX ), which highlights the legal obligation of credit bureaus to ensure information is not only verified, but accurate and fairly reported. Please see the attached Affidavit of XXXX and update these accounts to paid as agreed, never late Remove late payments and update accounts to paid as agreed never late.

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 2025-05-03 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 received a copy of my credit report and find the following items on my equifax unfamiliar. I have explained the discrepancies of the hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. To my records the information they are reporting on my credit profile is unrecognizable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When reviewing my credit report, I found several accounts listed in my name that do not belong to me. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A is liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. AFFIDAVITS OF LAW 1. Are you the original creditor? 2. Have you given the debtor the opportunity to review the original contract? 3. Have you validated the home address for the debtor? 4. Have you complied with all FRCA, FDCP and FDCPA laws? 5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature? 6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? Accounts : 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 non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: FL

Complaint narrative:
IMMEDIATE ACTION REQUIRED XXXX XXXX FRAUD Case # XXXX {$1700.00} was stolen from my XXXX XXXX account via unauthorized ATM withdrawals in XXXX, XXXX I was in a completely different city. My address was changed without consent, and a new card was issued without verification. I received no alerts. I did not authorize any of this. After hours on hold, I was dismissed, given vague answers, and told to wait XXXX  days. That is unacceptable. I am a veteran on a fixed incomethis delay endangers my housing and survival. XXXX XXXX has clearly failed to protect my account and respond appropriately to obvious fraud. I demand immediate restoration of the stolen funds, a freeze on further activity, and an urgent fraud investigation. This is a systemic failure and I will escalate this to federal and state authorities. I expect actionnot delays, not excuses. You are accountable. Fix this now.

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

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 non-monetary relief
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
XXXX XXXX never complied with my request and ignored my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Demand for Immediate Deletion of Inaccurate Account Reporting FCRA Violation To Whom It May Concern, This letter serves as a formal and urgent dispute of inaccurate and conflicting information being reported by your agency in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Compliance Guidelines. 

The following account is being reported with factual inaccuracies : TransUnion Account Number : XXXX Date Closed : XX/XX/XXXX ( a future date clearly inaccurate and impossible ) Equifax Account Number : * XXXX Date Closed : N/A These discrepancies are in direct violation of the FCRA 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in reporting. TransUnion is reporting a future date in the Date Closed field, which violates the XXXX XXXX Format ( Field : DateClosed, Base Segment Position XXXX ) a future closure date is invalid per CDIA standards. Equifax, on the other hand, is omitting required closure data, which is incomplete and misleading, breaching XXXX XXXX accuracy and completeness standards. 

This conflict between both bureaus also triggers violation of FCRA 1681i ( a ), which mandates prompt correction or deletion of disputed information that can not be verified as accurate. 

Due to the blatant and uncorrectable nature of these inconsistencies, I am demanding the following : XXXX. IMMEDIATE REMOVAL of this account from both TransUnion and Equifax credit reports. 


XXXX. Written confirmation of removal within 15 days. 


XXXX. Updated copies of my credit reports showing the deletion. 



If the disputed data is not removed, I will escalate this matter with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and consider civil legal action under FCRA 1681n and 1681o, which allow for monetary damages, court costs, and attorney fees for willful or negligent noncompliance. 

Attached are copies of my identification and proof of address. I expect a timely and lawful resolution. Please respond through my address above by XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Trans Union File Number XXXX Date XX/XX/XXXX Equifax Confirmation # XXXX Date XX/XX/XXXXXXXX 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 2025-05-03 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Request for Immediate Credit Report Correction Due to Bank Processing Error To Whom It May Concern, I am filing a formal complaint and request for immediate correction regarding XXXX late payments reported on my credit report for the months of XX/XX/year> and XX/XX/year>, related to my account with XXXX XXXX XXXX ( Account XXXX XXXXXXXX ). These entries were reported in error and are currently having a significant negative impact on my credit score and financial well-being. 

The issue arose due to a processing error by my financial institution, XXXX XXXX, which failed to transmit my XXXX XXXX payments on time despite my proper scheduling and authorization. This was neither due to my negligence nor any action on my part. I have since received a formal letter from XXXX confirming their responsibility for the error and affirming that the payments were in fact timely authorized. 

Despite this evidence, the creditor has declined to adjust the reporting. As such, I am requesting the assistance of the Consumer Financial Protection Bureau to facilitate the immediate removal of these inaccurate entries from my credit report. These erroneous reports are not only unfairly damaging my credit score but also hindering my ability to apply for credit and financial services. 

I respectfully urge you to review the enclosed documentation, including a support letter from XXXX, and intervene to ensure that this reporting error is corrected as quickly as possible. 

Thank you for your time, attention, and assistance in helping to resolve this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief