vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
I fully paid my car loan last XX/XX/year>. However, until now, XXXX is still reporting on my credit that I have late payments.I tried to correct it with them but they wont correct their credit 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I fully paid my car loan last XX/XX/year>. However, until now, XXXX is still reporting on my credit that I have late payments.I tried to correct it with them but they wont correct their credit 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 non-monetary relief
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
I fully paid my car loan last XX/XX/year>. However, until now, XXXX is still reporting on my credit that I have late payments.I tried to correct it with them but they wont correct their credit reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I did not made any inquiries at this establishment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Incorrect Closed Account on My Credit Report Dear TransUnion Dispute Department, I am writing to formally dispute an error on my credit report. I recently noticed that TransUnion removed a closed account with XXXX from my report, but there is still another closed account with XXXX that remains. Since XXXX  accounts are closed and should not be reported, I request that this remaining account be removed as well. 

Below are the details of the account in question : Creditor Name : XXXX Account Status : Closed Issue : Duplicate closed account still appearing on my credit report Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all reported information is accurate and up to date. Since this account is closed and appears to be a duplicate, I kindly request an investigation and its immediate removal from my credit file. 

Attached, I have included a copy of my identification and a recent copy of my credit report highlighting the incorrect account. Please review this matter promptly and provide me with an update on the status of my dispute. 

Thank you for your time and assistance. I look forward to your response within the XXXX timeframe as required by law.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 2025-02-01 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: GA

Complaint narrative:
I want to remove authorized users from my credit report. I have control over what goes on my report please remove the authorized user accounts below 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 2025-02-01 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: GA

Complaint narrative:
I want to remove authorized users from my credit report. I have control over what goes on my report please remove the authorized user accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: KY

Complaint narrative:
I applied for a loan with XXXX in XX/XX/year> for {$2500.00} to purchase XXXX XXXX football tickets from XXXX online. Several days later I still had not received the tickets, so I inquired with XXXX again and they informed me that the loan did not go thru in time, so the tickets were sold to someone else, and I did not have tickets. I reached out to XXXX  via phone and explained the situation and they stated that the loan information would be updated after communication between XXXX and XXXX was updated. I ended up purchasing tickets thru another online ticketing site and used XXXX XXXX to complete that purchase successfully. 

A few weeks later, I noticed the XXXX  information had not fell off my credit report, so I reached out again via phone. I was told that I needed to get written confirmation from XXXX stating that the ticket sale never went thru. I was able to confirm that with XXXX and provided it back to XXXX, however they would not accept it & continued to say that I owed the money ( for a product I NEVER received ). I have continued to dispute this charge/loan thru XXXX, and thru Experian but it has not been removed to date. I never received a product, therefore there is no loan. If XXXX received money from XXXX and did not return it, that is not on me, but I never received anything at all from either company and want this off my credit report 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 2025-02-01 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: TX

Complaint narrative:
XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX XXXX [ XXXX, Texas XXXX [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ Experian ] [ XXXX Experian XXXX ] [ XXXX Texas, XXXX ] Subject : Dispute of Missing Information and Request for Debt Removal Dear [ Experian ], I am writing to formally dispute inaccurate and incomplete information on my credit report and request the removal of an invalid debt. Upon reviewing my credit report, I discovered that the following account contains missing or incorrect information, which has resulted in an inaccurate reporting of my financial status. 
Disputed Account Details : Creditor Lender Names : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account account XXXX The reported debt is inaccurate due to [ inaccurate payment history, payments not reflected, account closed but still reporting a balance, fraudulent activity, or any other valid dispute reason ]. I have enclosed supporting documentation, such as account statements, payment records, and correspondence with the creditor, to substantiate my claim. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be thoroughly investigated and, if found to be incorrect or unverifiable, be removed from my credit report immediately. 
Additionally, I request a written confirmation once the correction has been made. 
Please consider this letter a formal request for resolution, and I expect a response within 30 days as required by law. I appreciate your prompt attention to this matter and look forward to hearing from you.

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 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: InDebted Corporation
State: MI

Complaint narrative:
**Subject : ** Formal Complaint Regarding Unverified Debt and Failure to Provide Billing Statements Dear Consumer Financial Protection Bureau , I am filing a formal complaint against indebted and XXXX XXXX XXXX XXXX XXXX XXXX  for attempting to collect a debt that is not mine and failing to provide proper billing statements to my current address. This debt has been reported to credit bureaus without my knowledge or verification, causing harm to my credit profile. Complaint reasons : **Failure to Provide Billing Statements : ** The original creditor, XXXX, failed to send bills or notifications regarding this debt to my current address. As a result, I was unable to address or dispute this matter in a timely manner. 3. **Credit Reporting : ** The debt has been inaccurately reported to credit bureaus, negatively impacting my credit score and financial standing. **Relevant Laws Violated : ** 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c : ** Requires that inaccurate or unverifiable information be removed from credit reports. 2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g : ** Grants consumers the right to dispute a debt and request validation. 3. **Consumer Financial Protection Act, 12 U.S.C. 5531 : ** Prohibits unfair, deceptive, or abusive acts or practices in the financial industry. **Resolution Requested : ** 1. **Removal from Credit Report : ** I request that this debt be removed from my credit report immediately. 2. **Cease Collection Activities : ** I request that all collection activities related to this debt cease until the matter is resolved. Thank you for your attention to this matter. Enclosed is 2. Proof of current address-

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXXXXXX XXXX [ XXXX, Texas XXXX [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX Texas, XXXX ] Subject : Dispute of Missing Information and Request for Debt Removal Dear [ XXXX ], I am writing to formally dispute inaccurate and incomplete information on my credit report and request the removal of an invalid debt. Upon reviewing my credit report, I discovered that the following account contains missing or incorrect information, which has resulted in an inaccurate reporting of my financial status. 
Disputed Account Details : Creditor Lender Names : XXXX XXXX XXXX XXXX XXXX Credit account XXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX account XXXX Capitol One account account XXXX The reported debt is inaccurate due to [ inaccurate payment history, payments not reflected, account closed but still reporting a balance, fraudulent activity, or any other valid dispute reason ]. I have enclosed supporting documentation, such as account statements, payment records, and correspondence with the creditor, to substantiate my claim. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be thoroughly investigated and, if found to be incorrect or unverifiable, be removed from my credit report immediately. 
Additionally, I request a written confirmation once the correction has been made. 
Please consider this letter a formal request for resolution, and I expect a response within 30 days as required by law. I appreciate your prompt attention to this matter and look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XX/XX/2023 this account was charged off and reported on my credit report as charged off and written off ... So since it was reported that way I ask them to provide me with a XXXX.Since the creditor was supposed to write it on there taxes and send me a XXXX. I request one but there telling me that the account is open now.Doesnt make sense.But yet they reported as charged off and written off on my credit report EVERYTHING is about accuracy ... Fraudulent activity under 15.USC 1681 So if the debt wasn't canceled or forgiving.Why would they report it that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: CT

Complaint narrative:
On XX/XX/XXXX. XXXX, TransUnion received a dispute letter along with supporting documents regarding the following inaccurate items listed on my TransUnion credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Requested On XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX I received their response on XX/XX/XXXX, stating that these items did not appear on my credit report. They also stated the information may have been updated before they reviewed my report or it was another credit reporting company. 

Immediately, I checked my report to verify their claims. Upon checking, the items were still listed. I then reached out to their customer support and chatted with XXXX. XXXX also confirmed the items were not there. I expressed to him that they were still listed everywhere I checked. He was not able to explain why. I told him I would wait a while. Here we are over 100 days later and all three items still appear. 

Not only do they appear on the credit report, but they are also listed in the dispute section of my online TransUnion account. No other bureau is reporting this inaccurate information.

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 2025-02-01 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 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 2025-02-01 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: SC

Complaint narrative:
I am writing to formally dispute the claims of civil liability for negligence under section 6081-o as outlined in the notice I received from Equifax on XX/XX/2025. 

The claims made in the notice are, I believe, inaccurate and do not comply with the legal requirements as stipulated in section 6081-o. I have attached the necessary documentation and evidence that demonstrate compliance with all relevant laws and regulations.

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 2025-02-01 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: SC

Complaint narrative:
I am writing to formally dispute the claims of civil liability for negligence under section 6081-o as outlined in the notice I received from Equifax on XX/XX/2025. 

The claims made in the notice are, I believe, inaccurate and do not comply with the legal requirements as stipulated in section 6081-o. I have attached the necessary documentation and evidence that demonstrate compliance with all relevant laws and regulations.

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 2025-02-01 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: TX

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXXXXXX XXXX [ XXXX, Texas XXXX [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ Experian ] [ XXXX Experian XXXX ] [ XXXX Texas, XXXX ] Subject : Dispute of Missing Information and Request for Debt Removal Dear [ Experian ], I am writing to formally dispute inaccurate and incomplete information on my credit report and request the removal of an invalid debt. Upon reviewing my credit report, I discovered that the following account contains missing or incorrect information, which has resulted in an inaccurate reporting of my financial status. 
Disputed Account Details : Creditor Lender Names : XXXX XXXX XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account account XXXX The reported debt is inaccurate due to [ inaccurate payment history, payments not reflected, account closed but still reporting a balance, fraudulent activity, or any other valid dispute reason ]. I have enclosed supporting documentation, such as account statements, payment records, and correspondence with the creditor, to substantiate my claim. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be thoroughly investigated and, if found to be incorrect or unverifiable, be removed from my credit report immediately. 
Additionally, I request a written confirmation once the correction has been made. 
Please consider this letter a formal request for resolution, and I expect a response within 30 days as required by law. I appreciate your prompt attention to this matter and look forward to hearing from you.

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 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I received this message : From : Comenity Bank Sent : Sunday, XX/XX/year>, XXXX XXXX XXXX XXXX ) To : You Subject : Important Information From Comenity Message ID : XXXX Below you will find important documentation. Please review and if you have any questions you may respond directly to this email. View Document ( Attached ). Thank You, Customer Care. 

My XX/XX/year> XXXX is attached. 

** Unexpected Annual Interest Rate changes from 29.49 % to 35.99 % in XX/XX/year> ** Late Fee is {$41.00} ** The late fee at {$41.00}. This is non-compliant with the CFPB ban on excessive fees on credit cards from {$32.00} down to {$8.00}. ( Attached ) There is also a paper billing statement fee of {$2.00} for a balance over {$3.00}. How is this charge legal?

Company response to consumer: Closed with explanation