vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: NY

Complaint narrative:
I am filing this complaint because XXXX XXXX  are inaccurately reporting a balance on my auto loan account that has been paid off in full and it showed account closed. Despite having completed all payments and receiving confirmation of payoff, my credit report continues to show a balance due of {$1200.00}, which is negatively affecting my credit standing. 
I have attached proof of payment, and relevant account documentation. I request that this inaccurate information be corrected immediately and that my credit report reflects a {$0.00} balance on the account. 
Company Name : XXXX XXXX Account Number : XXXX Date of final payment : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because XXXX XXXX are inaccurately reporting a balance on my auto loan account that has been paid off in full and it showed account closed. Despite having completed all payments and receiving confirmation of payoff, my credit report continues to show a balance due of {$1200.00}, which is negatively affecting my credit standing. 
I have attached proof of payment, and relevant account documentation. I request that this inaccurate information be corrected immediately and that my credit report reflects a {$0.00} balance on the account. 
Company Name : XXXX XXXX Account XXXX : XXXX Date of final payment : XX/XX/year>

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the response provided by XXXX XXXX dated XX/XX/2025 ( Case # XXXX ) regarding the continued reporting of derogatory information on my credit report. 

XXXX XXXX 's response fails to adequately address or rebut the specific legal grounds I referenced in my initial CFPB complaint, which include : 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act ( FCRA ) emphasizes the need for consumer protections against inaccurate and outdated information, and the right to privacy in credit reporting.

15 U.S.C. 1681b ( a ) ( 2 ) A consumer reporting agency can not furnish a report without the consumer 's written instructions, which I did not provide.

15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) A consumer report does not include transactions or experiences between the consumer and the furnisher unless its for permissible purposes, which I contest here.

15 U.S.C. 1666b ( a ) Payments can not be deemed late if received by XXXX XXXX  on the due date. I assert that my payments were made on time or that proper crediting was not performed. 

Despite citing contractual language from their customer agreement, XXXX XXXX has not demonstrated compliance with these federal statutes. The response fails to validate that the late payment entries were reported correctly, lawfully, and without consumer harm. 

Furthermore, XXXX XXXX only generically states that were reporting accurate information, which does not satisfy the FCRAs requirement for a reasonable investigation under 15 U.S.C. 1681i ( a ).

I am requesting the following actions : A full investigation and removal of all late payment notations that are not backed by documented proof of actual late payments, in compliance with FCRA.

A clear explanation of how the reporting is in line with FCRA provisions, especially 15 USC 1666b ( a ), if XXXX  XXXX insists the payments were late. 

That all bureaus include a statement of dispute on these tradelines per 15 U.S.C. 1681s-2 ( a ) ( 3 ).

The removal of any accounts being reported without written consumer authorization, in line with 15 U.S.C. 1681b ( a ) ( 2 ). 

I am also enclosing : A copy of the response received Should XXXX XXXX continue to report these accounts inaccurately or without fully satisfying FCRA guidelines, I reserve the right to pursue further action under civil liability provisions ( 15 USC 1681n & 1681o ).

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the response provided by XXXX XXXX dated XX/XX/year> ( Case # XXXX ) regarding the continued reporting of derogatory information on my credit report. 

XXXX XXXX 's response fails to adequately address or rebut the specific legal grounds I referenced in my initial CFPB complaint, which include : 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act ( FCRA ) emphasizes the need for consumer protections against inaccurate and outdated information, and the right to privacy in credit reporting.

15 U.S.C. 1681b ( a ) ( 2 ) A consumer reporting agency can not furnish a report without the consumer 's written instructions, which I did not provide.

15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) A consumer report does not include transactions or experiences between the consumer and the furnisher unless its for permissible purposes, which I contest here.

15 U.S.C. 1666b ( a ) Payments can not be deemed late if received by XXXX XXXX  on the due date. I assert that my payments were made on time or that proper crediting was not performed. 

Despite citing contractual language from their customer agreement, XXXX XXXX has not demonstrated compliance with these federal statutes. The response fails to validate that the late payment entries were reported correctly, lawfully, and without consumer harm. 

Furthermore, XXXX XXXX only generically states that were reporting accurate information, which does not satisfy the FCRAs requirement for a reasonable investigation under 15 U.S.C. 1681i ( a ).

I am requesting the following actions : A full investigation and removal of all late payment notations that are not backed by documented proof of actual late payments, in compliance with FCRA. 

A clear explanation of how the reporting is in line with FCRA provisions, especially 15 USC 1666b ( a ), if XXXX  XXXX insists the payments were late. 

That all bureaus include a statement of dispute on these tradelines per 15 U.S.C. 1681s-2 ( a ) ( 3 ). 

The removal of any accounts being reported without written consumer authorization, in line with 15 U.S.C. 1681b ( a ) ( 2 ). 

I am also enclosing : A copy of the response received Should XXXX XXXX continue to report these accounts inaccurately or without fully satisfying FCRA guidelines, I reserve the right to pursue further action under civil liability provisions ( 15 USC 1681n & 1681o ).

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 2025-05-05 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: TX

Complaint narrative:
I am writing to formally dispute the response provided by XXXX XXXX dated XX/XX/year> ( Case # XXXX ) regarding the continued reporting of derogatory information on my credit report. 

XXXX XXXX 's response fails to adequately address or rebut the specific legal grounds I referenced in my initial CFPB complaint, which include : 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act ( FCRA ) emphasizes the need for consumer protections against inaccurate and outdated information, and the right to privacy in credit reporting.

15 U.S.C. 1681b ( a ) ( 2 ) A consumer reporting agency can not furnish a report without the consumer 's written instructions, which I did not provide.

15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) A consumer report does not include transactions or experiences between the consumer and the furnisher unless its for permissible purposes, which I contest here.

15 U.S.C. 1666b ( a ) Payments can not be deemed late if received by XXXX XXXX. on the due date. I assert that my payments were made on time or that proper crediting was not performed. 

Despite citing contractual language from their customer agreement, XXXX XXXX has not demonstrated compliance with these federal statutes. The response fails to validate that the late payment entries were reported correctly, lawfully, and without consumer harm. 

Furthermore, XXXX XXXX only generically states that were reporting accurate information, which does not satisfy the FCRAs requirement for a reasonable investigation under 15 U.S.C. 1681i ( a ).

I am requesting the following actions : A full investigation and removal of all late payment notations that are not backed by documented proof of actual late payments, in compliance with FCRA.

A clear explanation of how the reporting is in line with FCRA provisions, especially 15 USC 1666b ( a ), if XXXX  XXXX insists the payments were late. 

That all bureaus include a statement of dispute on these tradelines per 15 U.S.C. 1681s-2 ( a ) ( 3 ).

The removal of any accounts being reported without written consumer authorization, in line with 15 U.S.C. 1681b ( a ) ( 2 ).

I am also enclosing : A copy of the response received Should XXXX XXXX continue to report these accounts inaccurately or without fully satisfying FCRA guidelines, I reserve the right to pursue further action under civil liability provisions ( 15 USC 1681n & 1681o ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hard inquiry on my XXXX XXXX report from capital one on XX/XX/year>. I did not inquire about credit of no such thing and I have not inquired for credit in a while

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: ID Analytics, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at easternaccos on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several 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 as reported. The aforementioned accounts, collections 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 # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including XXXX XXXX and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX  Bankruptcy Reference # : 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I made a purchase using cash app and the amount of {$10.00} to the XXXX XXXX using my cash app debit card. Cash app was running a promotion of which I agreed to partake in in which if you spent {$10.00} or more they would credit your purchase for {$10.00}. That never happened and every time I've reached out to their customer support they have outright given me false information saying that I did not meet the criteria or that they were working on it or that they had already provided a solution and they were done dealing with it even though nothing has been offered. When they gave me false criteria they told me that it had to be for a physical item. Yet nothing in the terms of conditions of the promotional offer stated anything about the item had to physically be something physical. It simply said whether it was an online purchase or in store they would credit you {$10.00} towards your purchase as long as you used your debit card which I did. As I stated above, every time I've reached out to their customer support they have said they are working on it or they have already provided a solution which is confusing because they haven't said anything which leads me to believe that some of this is being led by XXXX  giving me false answers.

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

Complaint narrative:
I am filing this formal complaint against Experian, Equifax, and TransUnion for inaccurate and unverifiable collection accounts listed on my credit reports. 

The following discrepancies were found : Several collection accounts appear only on Experian but not on TransUnion or Equifax. 
Some accounts appear only on Equifax and not the other two reports. 
This inconsistent reporting raises serious concerns about the accuracy and verification procedures of these credit reporting agencies. 

The specific collection accounts being disputed include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These discrepancies violate my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i Requirements to reinvestigate disputed information.

15 U.S.C. 1681s-2 Duties of information furnishers.

15 U.S.C. 1681n and 1681o Civil liability for willful or negligent noncompliance. 

I respectfully request that the CFPB investigate these inconsistencies and ensure that all inaccurate or unverified accounts are permanently deleted from my credit file. I further request documentation showing how each credit bureau verified the accuracy of the information listed.

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

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries currently listed on my credit report. These inaccurate entries have had a significant and detrimental impact on my FICO score, leading to a noticeable decline that has created challenges in maintaining my financial standing. 

I am now preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible, and these inaccuracies are preventing me from qualifying. I respectfully demand your immediate attention and resolution of this matter. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, you are obligated to correct or delete any information that can not be verified as accurate within a reasonable timeframe.

Additionally, under USC 15 1681e ( b ), you are required to maintain procedures to ensure maximum possible accuracy in the reporting of consumer credit information. Failing to provide proper verification for these disputed accounts violates both federal and state laws, and I hold you fully accountable for any damage caused by this misinformation.

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 2025-05-05 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: Westlake Services, LLC
State: NC

Complaint narrative:
According to FCRA section 605B. It is Illegal to report any information on my credit profile without my permission. I want WestLake Portfolio to remove this negative off my XXXX report. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JMC Leasing Specialties, LLC
State: AR

Complaint narrative:
I have communicated with a XXXX at XXXX approximately XXXX times regarding my credit report issues. He instructed me to submit a dispute with the credit bureaus so he could proceed with removing the accounts from my report. I have complied with this request three times over the last 2-3 months, yet he claims he can not assist further until he sees those disputes in his system. Interestingly, he mentions receiving multiple disputes daily but insists mine never appears. 

Currently, there are two incorrect accounts listed on my Experian, TransUnion, and Equifax reports, while I only financed one vehicle through this company. This discrepancy is concerning, especially since one dispute has been denied, and the other is marked as unknown. The accounts have not been updated since XX/XX/year>, and I fail to understand why these can not simply be marked as closed and paid in full. 

XXXX has provided no alternative solutions, which raises serious questions about compliance with consumer protection laws. I have fulfilled my contractual obligations, and I expect these inaccuracies to be rectified promptly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation