vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under XXXX U.S.C. XXXX : - Creditor Name : [ XXXX  XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Offices of Michael Lupolover
State: TX

Complaint narrative:
I was issued a merchant cash advance by XXXX, XXXX in early 2025, under an agreement that specified the advance would be repaid via business receivables. I ceased business operations on XX/XX/year>, at which point the agreement should have been terminated as non-recourse. 

Despite this, XXXX and its collection agent, The Law Offices of Michael Lupolover, P.C., falsely claimed to have filed a lien against me and used this to freeze my personal XXXX XXXX account, which is not a business account and was not used in the agreement. XXXX XXXX confirmed they blocked the account after receiving a claim from XXXX identifying the debt as business-related. 

I was given no notice, no opportunity to dispute the debt, and no court order was provided. Their actions amount to deceptive and abusive debt collection, including misrepresenting the nature of the account, blocking my access to personal funds, and making false legal threats. 

The agreement fails to include a legally enforceable personal guarantee. The mere inclusion of my name in the heading does not constitute a knowing, voluntary, and separate personal guarantee under Texas law or FTC/UDAAP standards. No separate signature, no explicit assumption of personal liability, and no waiver of business entity protections were presented. Therefore, any attempt to collect from my personal accounts is unlawful and exceeds the scope of the agreement.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Global Credit & Collection Corporation
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New Mexico XXXX XXXX ( XXXX ) XXXX XX/XX/year> To Whom It May Concern, Subject : Credit Complaint Urgent Review Requested I am writing to formally file a complaint regarding my current credit situation, which has been causing ongoing stress and frustration. Despite my efforts to manage my credit responsibly, I have noticed several issues that need to be addressed immediately. 

First, there appear to be inaccuracies on my credit report that I do not recognize. These include [ insert specific items here if known, such as unfamiliar accounts, incorrect late payments, or duplicate entries ]. These errors are unfairly affecting my credit score and do not reflect my actual financial behavior. 

In addition, I am currently working with limited credit resources, including XXXX credit cards with very low limits and a balance with XXXX. Despite making consistent payments and being proactive about my financial obligations, it feels like my credit progress is being held back. I want to make sure that all my efforts are being accurately reported and that any negative or outdated items are corrected or removed. 

I am respectfully requesting the following actions : XXXX. A detailed review of my credit report for any errors or misreported items. 
XXXX. Prompt correction or deletion of any inaccurate or unverifiable information. 
XXXX. Guidance or clarification regarding what steps I can take to effectively improve my credit under my current circumstances. 

This letter should be treated as an official dispute under the Fair Credit Reporting Act ( FCRA ). I expect a response within the legally mandated XXXX-day period. 

Thank you for your attention to this matter. I am committed to improving my financial situation and would appreciate your assistance in making sure my credit report accurately reflects my efforts. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Professional Finance Company, Inc.
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New Mexico XXXX XXXX ( XXXX ) XXXX XX/XX/year> To Whom It May Concern, Subject : Credit Complaint Urgent Review Requested I am writing to formally file a complaint regarding my current credit situation, which has been causing ongoing stress and frustration. Despite my efforts to manage my credit responsibly, I have noticed several issues that need to be addressed immediately. 

First, there appear to be inaccuracies on my credit report that I do not recognize. These include [ insert specific items here if known, such as unfamiliar accounts, incorrect late payments, or duplicate entries ]. These errors are unfairly affecting my credit score and do not reflect my actual financial behavior. 

In addition, I am currently working with limited credit resources, including XXXX credit cards with very low limits and a balance with XXXX. Despite making consistent payments and being proactive about my financial obligations, it feels like my credit progress is being held back. I want to make sure that all my efforts are being accurately reported and that any negative or outdated items are corrected or removed. 

I am respectfully requesting the following actions : XXXX. A detailed review of my credit report for any errors or misreported items. 
XXXX. Prompt correction or deletion of any inaccurate or unverifiable information. 
XXXX. Guidance or clarification regarding what steps I can take to effectively improve my credit under my current circumstances. 

This letter should be treated as an official dispute under the Fair Credit Reporting Act ( XXXX  ). I expect a response within the legally mandated XXXX-day period. 

Thank you for your attention to this matter. I am committed to improving my financial situation and would appreciate your assistance in making sure my credit report accurately reflects my efforts. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX LA XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX XXXX Date : XX/XX/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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX - Incorrect Personal XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

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 2025-07-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-07-02 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: AE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * XXX, Date Opened : XX/XX/year>, Balance : {$00.00}

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 2025-07-02 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: NY

Complaint narrative:
Getting calls from XXXX, called repeatedly back to back XXXX  times, called twice an hour later and I answered. They claimed to be from Experian and were actually looking for my mom regarding a XXXX XXXX. I said they were scammers, the caller called me stupid, refused to give his name, said he is the boss of Experian, cussed me out and said I am a XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX. He also threatened to freeze my social and all of my accounts.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I placed a credit freeze with all XXXX major agencies in 2023. I now need to temporarily unfreeze my credit at this time. 

Experian confirms I have an existing account but incorrectly states my saved password, which I have never changed, is now incorrect. Their system suggests resetting the password but will not send any texts or emails to do so. Their XXXX numbers also have the same problems and do not allow me to speak to a human and thus, there is no way for me to unfreeze my credit because I'm unable to access the account despite having the correct password and other credentials that should make this matter straightforward to access or reset password. 

The numerous errors in the Experian account verification process, paired with the phone system that does not allow users to speak to a person to solve a simple problem, are egregious.

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 2025-07-02 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ACCOUNTS : XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$6100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX - 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 XXXXXXXX Fraudulent Inquiries : XXXX XXXX  - XX/XX/XXXX Incorrect Names : Incorrect Name - XXXXXXXX XXXX XXXXXXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX EMPLOYER - XXXXXXXX XXXX XXXX XXXX XXXX Incorrect Addresses : Incorrect Name - XXXXXXXX XXXX XXXXXXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX EMPLOYER - XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Im currently XXXX XXXX military and have submitted all required paperwork to my auto finance company, including the authorization form allowing my father to assist with managing the account during my training. Despite this, they have refused to accept the authorization, have not applied the interest rate adjustment required under the Servicemembers Civil Relief Act ( SCRA ), have disabled my autopay, and are now threatening to repossess my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please see supporting documents pertaining to XXXX  data breach

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