vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: NC

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX upon reviewing my credit report i identified several entries that are negatively impacting my creditworthiness and financial health, which I believe are the results of identity theft. under the Fair Credit Reporting Act i have the right to dispute inaccurate on ny credit report and request prompt removal. The fraudulent accounts on my credit report has been charged off and by law should be removed to accurately reflect my credit history. The specific fraudulent charged off accounts includes : XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX, {$16000.00} ). SECTION 623 ( a ). i request that EQUIFAX REPORT ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX accurately with the supporting documents attached and remove fraudulent accounts from my credit reports and cease reporting it as a legitimate debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
I disputed the following inaccurate information on my Equifax credit report : 1. Date of Birth Incorrectly listed, despite submitting valid proof of my identity.

2. Address Incorrect address listed on my report, even though I have provided official documentation confirming my current and correct address. 
XXXX. XXXXXXXX XXXX Account I have disputed the presence of this account, as it does not belong to me. I provided supporting documentation requesting its removal, yet Equifax refuses to take action. 

Despite submitting the necessary documents proving my identity and supporting my dispute, Equifax has failed to correct my credit report. This failure to update my personal information and remove inaccurate account information is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure accuracy and conduct reasonable investigations into disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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 XXXX Block XXXX 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 action : have caused significant inconvenienco and financial loss, and I seek appropriate rediress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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 demanding the removal of this incorrect and misleading information from my credit report. It blatantly violates multiple sections of the Fair Credit Reporting Act ( FCRA ). Under Section 604 ( a ), you are only permitted to allow access to my credit report for specific, permissible purposes. Im questioning whether this data even meets that standard.

Under Section 611 ( d ), any unverifiable information must be removed from my credit report during the reinvestigation process. I expect a thorough and immediate review of this data, and the deletion of anything you can not verify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-22 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: 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-22 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: OH

Complaint narrative:
Around XXXX XXXX XXXX XXXX XXXX I received a notification that someone had checked my equifax account pulling a hard inquiry for a XXXX XXXX credit card. I did not authorize nor initiate the inquiry or apply for a XXXX  XXXX credit card. I called XXXX  XXXX at exactly XXXXXXXX XXXX that day to report someone using my information to apply for the card that got approved and that account is currently under investigation. I requested a dispute with Equifax to have them remove the hard inquiry since my information was used fraudulently. Equifax however stated the hard inquiry would remain on my credit for 2 years which I do not agree with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. I have disputed this matter several times through every department possible. Inquiries included on my credit report which began XX/XX/XXXX, XXXX XX/XX/year> were from a result of identity theft. I have filed an identity theft complaint and proved this to Equifax has communicated to me that these inquiries are not going to be removed for two years. Due to being a victim of identity theft and systemic issues these inquiries are in fact inaccurate. Equifax has failed to correct this issue causing ongoing harm to my credit standing.

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 2025-03-22 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:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. I have disputed this matter several times through every department possible. Inquiries included on my credit report which began XX/XX/XXXX, XXXX XX/XX/year> were from a result of identity theft. I have filed an identity theft complaint and proved this to Equifax has communicated to me that these inquiries are not going to be removed for two years. Due to being a victim of identity theft and systemic issues these inquiries are in fact inaccurate. Equifax has failed to correct this issue causing ongoing harm to my credit standing.

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 2025-03-22 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXX/XX/XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am writing this to request the cancellation of my student loan debt. According to the contracts agreed to at the inception of the loans, my data was not to be transferred to accessed by ANY unauthorized parties. With the implementation of DOGE led by XXXX XXXX, my data is now part of a pool exposed to an unauthorized third party with no way to prove that my data hasn't been copied or mishandled. This breach of contract should negate the entirety of the agreement and therefore invalidate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-22 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: CA

Complaint narrative:
PERSONAL INFORMATION LETTER XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TransUnion RE : Update Personal Information Dear TransUnion, I recently reviewed my credit file and found that some of my personal information is incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. 

Please delete the following inaccurate information from my credit file within the next 30 days. I understand that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I expect these inaccuracies to be automatically removed. 

Please delete the following inaccurate names : XXXX, XXXX, XXXX Please delete the following invalid telephone numbers : XXXX Please delete the following inaccurate employers : Nations Roof Please delete the following inaccurate email addresses : XXXX Please delete the following personal statement : " COPY OF ORIGINAL CONTRACTUAL AGREEMENT BEARING MY SIGNATURE. A CLAUSE IN THE ORIGINAL SIGNED CONTRACT. '' Correct Information to be updated : Name : ** XXXX XXXX XXXX Address : ** XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : ** XXXX Date of Birth : ** XXXX Employer : ** XXXX XXXX  Email Address : ** XXXX Contact Information : Phone Number : ** XXXX Email Address : ** XXXX Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
The claim that I had an 'insurance fund ' is incorrect. I have consistently made large payments of {$500.00} {$1000.00} at a time to reduce my balance below the credit limit, and I am currently working to bring it down to 30 %. I have also been making payments on time and have never been informed of any payments bouncing due to insufficient funds. I kindly request that you reconsider this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
In XX/XX/year>, I called to cancel XXXX XXXX. The representative did not tell me that I was canceling a contract early. I later received a bill for an early termination fee. I reached out to them to inquire about the charge. I was never aware that I entered into a contract with them. I ask for proof of the contract that we entered and they did not provide it. Since then, I have requested this many times from XXXX and the debt collector, Credence Resource Management, and no one has been able to provide it. Unaware that I was in a contract and without any proof that I did enter a contract, this is a false charge and should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
The company did nothing I am submitting evidence that I was never signed in and pictures of the transactions that the casino sent me that failed and citizens still put those transactions through even though I told them that they were multiple an error on the merchant side this happened between XX/XX/XXXX XXXX and XXXX the XXXXXXXX XXXX to be fair XXXX submitted and want her answers information concerning overdraft protection well I'm sending that my paperwork it shows that I was opt out when I opened this account same thing that she tried show me but what she need to show me is the document I signed claiming I was enrolled when I never was that's it that's all

Company response to consumer: Closed with explanation