vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: Prosper Marketplace, Inc.
State: WA

Complaint narrative:
This is a formal complaint against PROSPER MARKETPLACE INC for violations of the Fair Credit Reporting Act ( FCRA ), specifically 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ), in addition to violations of the U.S. Bankruptcy Code under 11 U.S. Code 362 and 524. The account in question ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) was lawfully included in my XXXX  XXXX bankruptcy, filed on XX/XX/XXXX, and discharged on XX/XX/XXXX ( XXXX Bankruptcy XXXX, XXXX XXXXXXXX XXXX XXXX  Case No. XXXX ). Despite this legal discharge, PROSPER MARKETPLACE INC has continued to report the account in a manner that implies an ongoing financial obligation, in violation of federal law. 

As a data furnisher to credit reporting agencies, PROSPER MARKETPLACE INC has a legal duty under FCRA 623 to ensure the accuracy and completeness of information provided to consumer reporting agencies and to update that information when it becomes inaccurate or misleading. By failing to properly report this account as " discharged in bankruptcy '' and allowing it to remain in a derogatory status on my credit file, PROSPER is not only misrepresenting the legal status of the debt but also indirectly attempting to collect on a discharged obligation through unlawful credit reporting. This violates both the FCRA and the discharge injunction imposed by the bankruptcy court.

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 2025-07-08 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: CA

Complaint narrative:
I disputed XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-08 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: OK

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 

ACCOUNTS : XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX HARD INQUIRIES : XXXX ) XXXX  XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VT

Complaint narrative:
I am a XXXX XXXX XXXX, and opened a Square account to invoice my clients. In XXXX I opened my account and sent my first invoice, it was paid, and then Square immediately deactivated my account. They have given me no way to get the funds out of the account beyond just waiting 90 days. I violated no terms of service, and they did not warn me at all. They claim they are holding the funds in case the customer requests a charge back, but after asking them to just send back the funds to the customer so I can bill them another way they said that was not possible. 

I have contacted them 5 times in the last week, they have no path for escalation because " my account is deactivated '', but I'm trying to either provide proof of validity ( I have signed contracts for this work ) or just get the funds sent back. They refuse to connect me with a person that can actually change my account status or give me any real information, or just refund the amount to the customer. 

Upon looking online, I see countless reddit thread with a bunch of people who out of no where got their accounts deactivated - holding tens of thousands of dollars. The release date for them came and went and still no movement on Squares part. This is a complete scam and horrific that a " legitimate '' business is allowed to operate this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: OR

Complaint narrative:
I am filing a complaint against XXXXXXXX XXXX XXXXegarding their credit reporting practices. They are continuing to report a charged-off account on my credit report each month, which is misleading and damaging to my credit profile. 

This account has already been charged off and no new activity has occurred, yet XXXX continues to update the account monthly as if it is newly delinquent or changing which creates the false impression of ongoing negative activity. This behavior may violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report accurate, complete, and non-misleading information. 

Monthly updating of a written-off or closed account is harmful and misrepresents the true status of the debt. I believe this is a tactic to extend the negative impact of the account beyond what is fair or lawful. 

I previously attempted to dispute this with XXXX directly but received no adequate response. I am requesting that the CFPB investigate XXXX credit reporting of this account and require that : They stop updating the tradeline monthly unless new, factual activity has occurred They correct or remove the tradeline if they can not demonstrate the legality and accuracy of their reporting They provide documentation that supports the continued reporting as compliant with the FCRA I am simply seeking fair treatment and accurate credit reporting. I respectfully request the CFPBs help in holding XXXX accountable for this potentially misleading practice.

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 2025-07-08 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Nelnet, Inc.
State: TX

Complaint narrative:
College loan, taken from XXXX XXXX XXXX - XXXX XXXX 's financial aid office, was supplied on loan website Nelnet few years back. Since then, I was in the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with outstanding medical bills. Since financial aid was an issue, I put off payments to prioritize my available funds ; all whilst being away from school ( XXXX XXXX XXXX XXXX XXXX ) until this last Spring semester ( XXXX XXXX Being away from school, the school no longer legitimized my loan since I was not taking the required credit amounts via courses and late payments were sent to collection, which hit my credit score and deduced it from XXXX to XXXX. This was reflected on my credit report ( via XXXX XXXX XXXX ). By the time I found out, I was already enrolled as a student for the necessary credit hours, and decided to pay it in full ( proof attached ) to negate anymore issues with collections/Nelnet/ACC. My credit score was not refunded since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: SC

Complaint narrative:
I review my Equifax credit report and saw and account that didn't belong to me. This account is XXXX account ending in XXXX with a balance of {$5100.00}. XXXX 's account was open in XXXX of XXXX and notice this account on my Equifax credit report in XX/XX/XXXX. I have contacted XXXX and did a police report and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: NJ

Complaint narrative:
Failure to Update Credit File After Creditor Submitted Corrections What Happened : I previously disputed inaccurate reporting for a XXXX XXXX XXXX account ( ending in XXXX XXXX XXXX XXXX XXXXXXXX ). 

XXXX completed their investigation and confirmed that my dispute was valid. On XX/XX/year>, they submitted the corrected data file to all three credit bureaus, including [ Equifax/TransUnion ] , as confirmed in their attached letter. 

However, [ Equifax/TransUnion ] has failed to update my credit report to reflect the correction. It has now been over 10 business days since they received the data. This delay is unjustified and has negatively impacted my credit score.

I am unable to submit additional documents through the existing dispute channel, and my dispute appears to be stalled or ignored. I am now requesting that the CFPB hold [ Equifax/TransUnion ] accountable and ensure they comply with the FCRA by updating my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: NY

Complaint narrative:
The letter I received is dated from XXXX XXXX, and it is dated for last week, XX/XX/year>.. 

I wrote them on XX/XX/XXXX after receiving their first letter saying my address is not the address of the decedent, and I am not responsible for his estate. 

I told them they can no longer reach out to me for this debt. I warned them I would report them if they continued to reach out, other than to confirm they received my letter. 

" I am not personally responsible for this debt, nor am I the executor or administrator of any formal estate for [ sic ]. As such, any attempts to collect this debt from me personally are inappropriate and in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I demand that you immediately cease all telephone calls, letters, emails, and any other forms of communication with me, my family, and my household regarding this alleged debt. 

Please confirm in writing that you have received this request and that you will comply with it. This confirmation should be sent to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I called XXXX  on XX/XX/year> to freeze my credit and place a fraud alert in my name due to loans being applied for using my stolen drivers license and XXXX  ID. On approximately XX/XX/year>, I attempted to make a XXXX  online account and discovered that XXXX had already been made using an email and phone number that did not belong to me. I called XXXX  and they promptly XXXX the account, refroze my credit, and added an additional fraud alert. On XX/XX/year>, I was notified through the XXXX XXXX  that multiple hard inquiries had made it through onto my credit report. I called XXXX  again that day to see how this had happened. They accused me of unfreezing my credit over the phone shortly after that previous freeze. After this, they allowed me to set up a pin that would be required to access my account over the phone and refroze my credit. However, on XX/XX/year>, fraudsters were able to once again unfreeze my XXXX  account. The phone call where I set up the pin was in private while driving, and I did not write down the pin anywhere or store it in my phone. Someone was clearly able to access my account without the pin. I have no idea how to stop people from unfreezing my XXXX  account. 

I have been able to fix the issue with most of the lenders ; however, Citi Bank was unable to cancel an application that had been sent in using my information. The fraudster requesting a Citi Best Buy gift card did so using my personal information, but with their phone number and address. The credit inquiry is on my XXXX  credit report, but Citi Bank was unwilling to cancel the application before it went through because I did not have the application number ( which was sent to the person who stole my information, not me ). I was forwarded back and forth between the applications department and the XXXX department 8 times until they hung up on me.

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 2025-07-08 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: Equity Sales Finance, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX got an emial that XXXX account was requested to be closed. I didnt make amy request. 
XX/XX/XXXX saw XXXX hard enquiry from XXXX store to open account, i have not applied for any new cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management is reporting a debt collection account for {$1500.00} on my XXXX  credit report. This account has been listed as derogatory for several years, with last known activity in XXXX, yet it continues to appear active and negatively impacts my credit as of XXXX. 

I have previously disputed this account, but the company failed to provide any proper validation under FDCPA XXXX ( a ), such as a signed contract, a clear breakdown of the debt, or proof of ownership. The account does not clearly list the original creditor, and no supporting documentation has ever been received. 

Despite its age, Midland continues to report this item with recent activity dates, which is misleading, inaccurate, and unverifiable. This violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting relief through the CFPB due to the lack of response and the harm caused to my credit profile.

Company response to consumer: Closed with explanation