vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX a lady sent me {$62.00} to cash app to my old cash app and I am unable to get in that account. They will not transfer the funds and they're trying to keep the funds that's not right I've called for the past XXXX weeks the day after XX/XX/XXXX and since today 's date is XX/XX/XXXX I've called for XXXX weeks in a row trying to get my funds and they will not give them to me they keep saying I need a debit card they have to close the old account I've even called XXXX trying to get the password to the old account and nothing 's working these people will not give me my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: KY

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 XXXX USC XXXX. XXXX U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: CA

Complaint narrative:
You are illegally reporting a bankruptcy on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). You are required by federal law to ensure the accuracy, integrity, and privacy of all information you report. You have failed to do so. 

The XXXX  XXXX bankruptcy youre reporting has already been deleted by XXXX  and XXXX. Why is XXXX  still displaying it? Thats a clear violation of : 15 U.S. Code 1681s-2 Failure to maintain accurate and consistent records 15 U.S. Code 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 11 U.S. Code 524 ( a ) Prohibits implying liability on a discharged debt 15 U.S. Code 1681n and 1681o You are now liable for willful and/or negligent noncompliance This public record is discharged, outdated, and unverifiable. You are not allowed to continue reporting data that has been compromised or removed by other bureaus. Your action is not only misleadingits unlawful.

I am a confirmed XXXX Data Breach victim. You do not have permissible purpose to report or reuse compromised public record data without current verification.

I demand the permanent deletion of this bankruptcy from my file immediately : Public Record : XXXX  XXXX Bankruptcy Case Number : XXXX Court : [ court name ] Date Filed : XX/XX/year> Date Reported : [ insert date if known ] This letter is being submitted as part of my formal record with the CFPB, FTC, XXXX, and Attorney Generals Office. If this item is not deleted, I will escalate the matter in small claims court and demand statutory damages, legal fees, and any additional remedies allowed by law. 

Once deleted, send an updated copy of my credit report to the address below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 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 2025-06-27 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: NY

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 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 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 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 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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 kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
As of XX/XX/XXXX, I am reporting a false payment record issue with Foursight Capital involving my auto loan account. 

I submitted a single {$500.00} payment to cover a past due amount, as reflected on my account. After submission, the system falsely recorded that I paid {$500.00} + {$1000.00}, totaling {$1500.00}. 

In reality, I only submitted {$500.00}, and I have full documentation from my bank to confirm that amount. Their system has incorrectly logged an additional {$1000.00} as if I paid both the past due and current payment simultaneously, which I did not. 

This creates a false payment history and may result in balance confusion, inaccurate loan reporting, or unauthorized charges. 

When I attempted to call the company on XX/XX/XXXX to resolve this, I was met with technical difficulties, making it impossible to speak to a representative. 

I am requesting CFPB investigation into this matter, correction of my payment record, and written confirmation that no unauthorized charges or misreporting will occur as a result of this system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-27 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: FL

Complaint narrative:
Subject : Formal FCRA Dispute Inaccurate and Unverified Negative Accounts To Whom It May Concern, I am writing to formally dispute multiple inaccurate and unverifiable items reported on my credit file. These include accounts that are incorrectly marked with charge-offs or late payments, even after being closed, paid, or transferred. These reporting errors violate the Fair Credit Reporting Act ( FCRA ) and are damaging my credit. 

The accounts in dispute include but are not limited to : XXXX. XXXX XXXX Account closed in XX/XX/year>, still reporting recurring charge-offs. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Reports as charged-off but lacks verification and payment history. 
XXXX. XXXX Closed account, still marked with late payments. 
XXXX. XXXX XXXX and closed, yet still showing negative history. 
XXXX. XXXX XXXX Closed and paid, but reporting multiple delinquencies. 

These entries are outdated, incorrect, or unverifiable. I request deletion or complete verification under FCRA Section 611. Please respond within 30 days with the results of your investigation. 

Sincerely, 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 2025-06-27 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-27 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Regarding Misuse of My Consumer Information by XXXX XXXX XXXX and ChexSystems To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX and ChexSystems XXXX Inc. for the unauthorized use, reporting, and handling of my personal information, in violation of the Fair Credit Reporting Act ( XXXX  ) and other applicable federal privacy protections. 

Despite my repeated efforts to dispute the inaccuracies and unauthorized entries, both agencies have failed to properly investigate and remove incorrect or identity theft-related information from their systems. This failure has resulted in the unjust denial of bank accounts and financial services, and is a direct violation of my rights under : XXXX U.S. Code XXXX, which allows consumers to request a block of information resulting from identity theft. 
XXXX U.S. Code XXXX, which outlines the obligations of financial institutions regarding the disclosure of nonpublic personal information. 

I have reason to believe that my information was either misused or mishandled, and neither XXXX XXXX XXXX nor ChexSystems have provided adequate disclosures or taken appropriate steps to verify the legitimacy of the data they are reporting. 

I am requesting the CFPB to initiate a thorough investigation into : XXXX. The failure of XXXX XXXX XXXX and ChexSystems to properly investigate disputes. 
XXXX. The continued reporting of fraudulent or inaccurate information despite my formal identity theft claim. 
XXXX. Violations of privacy protections under the Gramm-Leach-Bliley Act and FCRA.

I have attached supporting documentation, including previous dispute letters and identification, to aid in your investigation. Please confirm receipt of this complaint and inform me of any further steps I may need to take. 

Thank you for your attention to this serious matter. I trust that the CFPB will help ensure my rights as a consumer are upheld and enforced. 

Sincerely, 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 2025-06-27 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: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Regarding Misuse of My Consumer Information by XXXX XXXX XXXX and XXXX  To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX for the unauthorized use, reporting, and handling of my personal information, in violation of the Fair Credit Reporting Act ( XXXX  ) and other applicable federal privacy protections. 

Despite my repeated efforts to dispute the inaccuracies and unauthorized entries, both agencies have failed to properly investigate and remove incorrect or identity theft-related information from their systems. This failure has resulted in the unjust denial of bank accounts and financial services, and is a direct violation of my rights under : XXXX U.S. Code XXXX, which allows consumers to request a block of information resulting from identity theft. 
XXXX U.S. Code XXXX, which outlines the obligations of financial institutions regarding the disclosure of nonpublic personal information. 

I have reason to believe that my information was either misused or mishandled, and neither XXXX XXXX XXXX nor XXXX  have provided adequate disclosures or taken appropriate steps to verify the legitimacy of the data they are reporting. 

I am requesting the CFPB to initiate a thorough investigation into : XXXX. The failure of XXXX XXXX XXXX and XXXX  to properly investigate disputes. 
XXXX. The continued reporting of fraudulent or inaccurate information despite my formal identity theft claim. 
XXXX. Violations of privacy protections under the Gramm-Leach-Bliley Act and FCRA. 

I have attached supporting documentation, including previous dispute letters and identification, to aid in your investigation. Please confirm receipt of this complaint and inform me of any further steps I may need to take. 

Thank you for your attention to this serious matter. I trust that the CFPB will help ensure my rights as a consumer are upheld and enforced. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation