vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
Re : Formal Dispute & Demand for Deletion XXXX Account # XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter is a formal dispute of inaccurate and misleading information under the Fair Credit Reporting Act ( FCRA ), regarding the XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX listed on my credit report. 

This account contains * * several serious factual errors and discrepancies * * : - The * * reported credit limit * * is listed as {$900.00} with TransUnion/Experian, but as * * {$0.00} with Equifax * *, which is materially inaccurate.

- * * High credit usage * * varies from {$1200.00} to {$86.00} clearly inconsistent and unverifiable.

- Conflicting * * last payment and last activity dates * * across bureaus violate your duty to report information uniformly and accurately.

- The status is reported as both * * charged off * * and * * collection * *, with unclear legal classification.

- Comments differ across bureaus with no documentation to support these conflicting notations.

These discrepancies are violations of : - * * FCRA 1681e ( b ) * * Duty to report with maximum possible accuracy.

- * * FCRA 1681i ( a ) * * Requirement to conduct a reasonable reinvestigation of disputed information.

- * * FCRA 1681s-2 ( b ) * * Furnisher obligations to correct or delete inaccurate data upon dispute.

I am demanding that you * * Permanently delete * * this account from my credit report due to unverified and inconsistent data.

Failure to act will result in complaints being filed with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * Federal Trade Commission ( FTC ) * *, and * * Attorney General * *, and I will pursue my rights to seek relief under * * FCRA 616 and 617 * *.

Please respond in writing within 30 days. I have enclosed proof of identity and address as required. 

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 2025-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
The accounts listed below are not mine and are do to identity theft XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
The accounts listed below are not mine and are do to identity theft 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 2025-05-19 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: NC

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm 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 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-05-19 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:
I am filling a complaint because my creditor is reporting late payments on my accounts beginning with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with that are inaccurate and not properly verified I have disputed this this directly with the credit bureaus and the furniture but the late payment remain without proper validation or documentation. under 15 USC 1681 S 2 A fortunate must report accurate information under 15 USC 1681 the credit bureau must preform a seasonable investigation within 30 days. Nether of them have proved sufficient evidence to support the negative reporting. I would like to have these removed from my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MN

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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. Therefore their dispute and 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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
Subject : Experian Violating FCRA Section 605B Failure to Block Fraudulent Items After Identity Theft Report What happened : I am the victim of identity theft. I submitted a valid police report and a signed written statement to Experian per the requirements of FCRA Section 605B. These documents were received by Experian on [ insert date here ]. Despite this, Experian has refused to block the fraudulent accounts from my credit file within the federally mandated 4 business days. 

Experian representatives stated they are " following internal procedures '' that give them up to 30 days to investigate which directly contradicts federal law. Under 15 U.S. Code 1681c-2, Experian is required to block information resulting from identity theft within four ( 4 ) business days of receiving valid documentation.

This is a clear violation of federal law, and their refusal is causing continued harm to my credit, my finances, and my mental wellbeing. 

What I want : I request immediate enforcement action by the CFPB compelling Experian to : Permanently block all fraudulent items I have disputed under Section 605B, Provide me written confirmation of this action, Undergo a formal review of their policies and call handling procedures which misrepresent federal law to victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
Subject : Experian Violating FCRA Section 605B Failure to Block Fraudulent Items After Identity Theft Report What happened : I am the victim of identity theft. I submitted a valid police report and a signed written statement to Experian per the requirements of FCRA Section 605B. These documents were received by Experian on [ insert date here ]. Despite this, Experian has refused to block the fraudulent accounts from my credit file within the federally mandated 4 business days. 

Experian representatives stated they are " following internal procedures '' that give them up to 30 days to investigate which directly contradicts federal law. Under 15 U.S. Code 1681c-2, Experian is required to block information resulting from identity theft within four ( 4 ) business days of receiving valid documentation.

This is a clear violation of federal law, and their refusal is causing continued harm to my credit, my finances, and my mental wellbeing. 

What I want : I request immediate enforcement action by the CFPB compelling Experian to : Permanently block all fraudulent items I have disputed under Section 605B, Provide me written confirmation of this action, Undergo a formal review of their policies and call handling procedures which misrepresent federal law to victims.

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 2025-05-19 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 express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
I sent a payment to my sister last Wednesday on the XXXX for {$100.00} on cash app. A few moments later I got a message saying that my account was on hold and they were holding my funds due to an investigation to make sure there was no fraud or any problems with the money I have sent my sister over {$13000.00} over the past few years using cash app and have never had a problem when calling customer service I was informed that I would receive information regarding what was wrong within two business days. It is now Monday the XXXX and my money is still frozen and I can not use my card for any transactions They also have yet to provide any reason as to why My Account is on hold and being investigated when calling to find out more information they give me the running round and I cant get a hold of anybody to find whats going on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NV

Complaint narrative:
XXXX XXXX XXXX CONTINUES TO REPORT AN AUTO ACCOUNT ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AS NONE OF THE REPORTED INFORMATION RELATES TO MY STATUS WITH XXXX XXXX OBVIOUSLY THEY ARE REPORTING SOMEONE ELSE 'S INFORMATION IN ERROR UNDER MY RECORD. FOR MORE THAN XXXX MONTHS I HAVE CHALLENGED THIS INFORMATION WITH XXXX XXXXXXXX AND WITH THE XXXX BUREAUS ( XXXX XXXX EXPERIAN ) EACH BUREAU EXCEPT FOR EXPERIAN HAS DISCONTUNED REPORTING THIS ERROR ON MY REPORTS. EXPERIAN CONTINUES TO SAY THAT THE ACCOUNTS WITH XXXX XXXXXXXX HAVE BEEN VERIFIED. WHICH IS A FALSE STATMENT. IF THEY HAD VERIFIED THE ACCOUNT THEY WOULD KNOW THAT IT IS BEING REPORTED IN ERROR. I DO NOT HAVE AN OPEN OR EXISTING AUTO ACCOUNT WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THIS MUST BE CORRECTED. 

PER FCRA 605B I DEMAND THIS INFORMATION BEING REPORTED ON BEHALF OF XXXX XXXX XXXX XXXX XXXX XXXX BE REMOVED IMMEDIATELY AND THAT XXXX STOP MISREPRESENTING MY CURRENT RELATIONSHIP WITH THEM. I AM BEING VIOLATED BY BOTH XXXX XXXX AND EXPERIAN WHO REFUSE TO REPORT ACCURATE INFORMATION AND DISCONTINUE MISREPRESENTING FALSE INFORMATION IN THEIR REPORTING. 

THESE ARE NOT MY ACCOUNTS AS THEY ARE 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 2025-05-19 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: NY

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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 2025-05-19 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 third party credit 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 2025-05-19 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: NJ

Complaint narrative:
Re : Formal Dispute & Demand for Deletion XXXX Account # XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter is a formal dispute of inaccurate and misleading information under the Fair Credit Reporting Act ( FCRA ), regarding the XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX listed on my credit report. 

This account contains * * several serious factual errors and discrepancies * * : - The * * reported credit limit * * is listed as {$900.00} with TransUnion/Experian, but as * * {$0.00} with Equifax * *, which is materially inaccurate.

- * * High credit usage * * varies from {$1200.00} to {$86.00} clearly inconsistent and unverifiable.

- Conflicting * * last payment and last activity dates * * across bureaus violate your duty to report information uniformly and accurately.

- The status is reported as both * * charged off * * and * * collection * *, with unclear legal classification.

- Comments differ across bureaus with no documentation to support these conflicting notations.

These discrepancies are violations of : - * * FCRA 1681e ( b ) * * Duty to report with maximum possible accuracy.

- * * FCRA 1681i ( a ) * * Requirement to conduct a reasonable reinvestigation of disputed information.

- * * FCRA 1681s-2 ( b ) * * Furnisher obligations to correct or delete inaccurate data upon dispute.

I am demanding that you * * Permanently delete * * this account from my credit report due to unverified and inconsistent data.

Failure to act will result in complaints being filed with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * Federal Trade Commission ( FTC ) * *, and * * Attorney General * *, and I will pursue my rights to seek relief under * * FCRA 616 and 617 * *.

Please respond in writing within 30 days. I have enclosed proof of identity and address as required. 

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 non-monetary relief
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
Re : Formal Dispute & Demand for Deletion XXXX Account # XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter is a formal dispute of inaccurate and misleading information under the Fair Credit Reporting Act ( FCRA ), regarding the XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX listed on my credit report. 

This account contains * * several serious factual errors and discrepancies * * : - The * * reported credit limit * * is listed as {$900.00} with TransUnion/Experian, but as * * {$0.00} with Equifax * *, which is materially inaccurate.

- * * High credit usage * * varies from {$1200.00} to {$86.00} clearly inconsistent and unverifiable.

- Conflicting * * last payment and last activity dates * * across bureaus violate your duty to report information uniformly and accurately.

- The status is reported as both * * charged off * * and * * collection * *, with unclear legal classification.

- Comments differ across bureaus with no documentation to support these conflicting notations.

These discrepancies are violations of : - * * FCRA 1681e ( b ) * * Duty to report with maximum possible accuracy.

- * * FCRA 1681i ( a ) * * Requirement to conduct a reasonable reinvestigation of disputed information.

- * * FCRA 1681s-2 ( b ) * * Furnisher obligations to correct or delete inaccurate data upon dispute.

I am demanding that you * * Permanently delete * * this account from my credit report due to unverified and inconsistent data.

Failure to act will result in complaints being filed with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * Federal Trade Commission ( FTC ) * *, and * * Attorney General * *, and I will pursue my rights to seek relief under * * FCRA 616 and 617 * *.

Please respond in writing within 30 days. I have enclosed proof of identity and address as required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief