vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-05-20 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$420.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Re : XXXX XXXX XXXX  Account # XXXX Dear XXXX  I am writing to formally dispute inaccurate information reporting on my XXXX credit report related to an account from XXXX XXXXXXXX XXXX The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Status : Charged off / {$900.00} past due as of XX/XX/XXXX Credit Limit : {$700.00} Last Payment Date : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and verifiable. I believe this account is reporting inaccurately due to the following : 1. The account was closed but continues to show updated delinquencies through XXXX, even though the last payment was in XX/XX/XXXX. 
2. The balance continues to update inconsistently after the charge-off date, which may indicate re-aging of the accountan FCRA violation.

3. The reported credit usage of 129 % exceeds the limit, despite the account being charged off and closed. 

I am requesting that an immediate investigation is conducted into this matter. If the account information can not be verified, I request that it be deleted from my credit file in accordance with the FCRA. 

Attached are screenshots and documents supporting my dispute. Please provide written confirmation of the results of your investigation and a copy of my updated credit report. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Re : XXXX XXXX XXXX Account # XXXX Dear XXXX, I am writing to formally dispute inaccurate information reporting on my XXXX credit report related to an account from XXXX XXXXXXXX XXXX The details are as follows : Creditor Name XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reported Status : Charged off / {$900.00} past due as of XX/XX/XXXX Credit Limit : {$700.00} Last Payment Date : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and verifiable. I believe this account is reporting inaccurately due to the following : 1. The account was closed but continues to show updated delinquencies through XXXX, even though the last payment was in XX/XX/XXXX. 
2. The balance continues to update inconsistently after the charge-off date, which may indicate re-aging of the accountan FCRA violation.

3. The reported credit usage of 129 % exceeds the limit, despite the account being charged off and closed. 

I am requesting that an immediate investigation is conducted into this matter. If the account information can not be verified, I request that it be deleted from my credit file in accordance with the FCRA. 

Attached are screenshots and documents supporting my dispute. Please provide written confirmation of the results of your investigation and a copy of my updated credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
I was initially notified of a Debt Claim on a Closed XXXX  Card by being Served with a XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX the Plaintiffs are XXXX XXXX- for XXXX XXXX Bank. The FACTS stated in the Plaintiff 's Original Petition states : >Defendants last Payment on Account occurred on XX/XX/XXXX, XXXX Account was subsequently canceled. The Account was subsequently closed due to nonpayment and/or charged off to profit and loss on or about XX/XX/XXXX. XXXX remaining on the XXXX Account is presently due and payable in full. >After allowing for all just and lawful offsets, credits, and payments on the credit account, the total balance is to Plaintiff by Defendant on the Account is $ XXXX had never heard XXXX XXXX XXXX prior to their XXXX Filed on : XXXX was Served on XX/XX/XXXX. > I filed my General Denial Answer with the XXXX with in my XXXX days on : XX/XX/XXXX. > I was told by XXXX XXXX XXXX XXXX a Trial would be set in/about XXXX days. After continuosly checking with the XXXX - A Trial Date was never set. On XX/XX/XXXX I received a letter from XXXX XXXX wanting to Settle out of XXXX. I did not respond. XXXX on XX/XX/XXXX I received a NOTICE of TRIAL set for XX/XX/XXXX. Same Cause No. from XXXX  YEARS AGO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
fraudulent charge to my checking account that remains unresolved : Merchant : XXXX XXXX XXXX Amount : {$180.00} Date of Charge : XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX Phone Listed : XXXX Ally bank checking account was charged I reported this charge and filed a dispute via phone on XXXX when the charge posted as pending. This transaction was unauthorized, and I am concerned by the lack of clarity on next steps. 

As this is an unauthorized electronic transaction, I request that Ally Bank provide an immediate provisional credit while the investigation proceeds, in accordance with Regulation E of the Electronic Fund Transfer Act. I would also appreciate a confirmation that my dispute has been received and is being investigated, along with a timeline for resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX XXXX  repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
and your account. 
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MO

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
XXXX Score counts multiple hard inquiries from a XXXX period as one inquiry. FICO only deduplicates hard inquiries from auto, home and XXXXXXXX XXXX. I applied for a car loan on XX/XX/year> with a few different companies. These inquires should count as one pull but instead the breaus have reported these as separate credit inquires totaling 5 hardpulls. Also, the same situation is happening from inquires for auto on XX/XX/year>, listing 4 inquires. These inquires should be removed and removed as one instead of duplicated. This incorrect information is hurting my credit. This is incorrect reporting that should be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I was included in an eviction wrongly as i was not on the lease but the landlord and the attorney included me. XXXX XXXX court then redacted the eviction and i was removed from the process but this has not been correct on the Tenant history and is affecting me on all three credit reporting agencies XXXX, Experian and XXXX, and is affecting me from being able to secure a home for my family. 
I have asked XXXX XXXX to remove the report or correct it showing dismissed against me but they said they do not do that. 
I have the XXXX County Court documents signed dismissal but it is still showing on my Tenant Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
XXXX is inaccurately reporting a 30-day late payment on my account to XXXX  for XX/XX/XXXXXXXX  and to Equifax for XX/XX/XXXX. These late marks are not only false, they are legally indefensible under multiple sections of the Fair Credit Reporting Act ( FCRA ). 

The account in question is open, active, and listed by both bureaus as Paid or paying as agreed with {$0.00} past due. My payment history is otherwise consistent, and I have never received any written notice of delinquency prior to these negative entries. In fact, Equifax contradicts itself by simultaneously showing Pays account as agreed and a 30-day delinquency which defies the legal standard of accuracy and consistency.

This violates FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S. Code 1681s2 ), which prohibits furnishing information to a consumer reporting agency that is known to be inaccurate or misleading. Additionally, FCRA 623 ( a ) ( 7 ) requires a furnisher to provide written notice to the consumer before reporting any negative information to a credit reporting agency. I never received such notice from XXXX. 

The reporting also fails to meet the reasonable procedures to assure maximum possible accuracy standard required of consumer reporting agencies under FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ).

Because the alleged delinquencies are unsupported by the account data which shows {$0.00} past due, current payment status, and no verified documentation of default I am demanding immediate correction. I request the CFPB enforce a full reinvestigation under FCRA 611 ( a ) ( 15 U.S. Code 1681i ) and require that XXXX remove the 30-day late marks from both XXXX  and Equifax. This information is harming my credit profile without justification and must be corrected in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
Subject : Formal Complaint Inaccurate Reporting of Late Payments on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian for inaccurately reporting late payments on my credit report associated with the following accounts : XXXXXXXX XXXX XXXX Account XXXX XXXX 2.XXXX XXXX XXXX XXXX Account # XXXX Nature of Complaint : Inaccurate Reporting of Late Payments : Both accounts are marked with late payments. However, I have not received any prior notification from these creditors regarding such delinquencies, nor have I been provided with any documentation substantiating these claims. 

Failure to Provide Proof : Despite my requests, Experian has not provided any proof of these alleged late payments from the creditors. 

Non-Compliance with Fair Credit Reporting Act ( FCRA ) : Under the FCRA, credit bureaus are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained within a consumer 's report. Experian 's failure to correct these inaccuracies constitutes a violation of this provision. 

Steps Taken : Dispute Filed with Experian : I have submitted a dispute through Experian 's online portal, providing all necessary documentation to support my claim. 

Lack of Resolution : Despite the passage of the statutory 30-day investigation period, Experian has not resolved the dispute or provided any updates. 

* * * * * * * Experian still has XXXX  open Complaints on my behalf for CFPB that they have not responded to. * * * * * * *

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