vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I reached out to Milestone Credit Card about a late payment in XX/XX/year>. I asked for the late payment to be forgiving as I made a XX/XX/year> payment head. The rep on the phone stated they would honor that for me as XXXX on-time payment and they will also waive my late fee. The rep also stated I will be able to see this on my XX/XX/year> statement for reinsurance. I tried to dispute through the credit agencies and no changes have been made and I was advised to contact the lender. I contacted them again and they said they've done my part and to contact the XXXX XXXX XXXX XXXX. Now I am being ran into circles. This is harming my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
This letter serves as my XXXX  FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted XXXX notices. 

Despite my repeated requests, the inaccurate inf " ormation remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer. 

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ]. 

Under the FCRA, you are obligated to : XXXX. Investigate the dispute within XXXX  days ( or XXXX days under certain conditions ) ; XXXX. Notify the furnisher of the dispute ; XXXX. Correct or delete inaccurate, incomplete, or unverifiable information ; and XXXX. Provide me with the results of your reinvestigation. 

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies XXXX be deemed willful noncompliance, subjecting your organization to civil liability under XXXX XXXX. XXXX and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law. 

Demand : I am demanding the following : - XXXX deletion or correction of the disputed information ; - Written confirmation of such correction within XXXX  days of receipt of this letter. XXXX XXXX XXXX XXXX XXXX, XXXX, NY, 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
They are report XXXX collections on my account that XXXX belong to me I tried to get a car and I found out my address and the collections was on my credit report the law XXXX U.S.C XXXX states it shouldnt be any damage reporting to my credit without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NC

Complaint narrative:
They are report XXXX collections on my account that XXXX belong to me I tried to get a car and I found out my address and the collections was on my credit report the law XXXX U.S.C XXXX states it shouldnt be any damage reporting to my credit without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, while I was on vacation in XXXX XXXX, XXXX XXXX, my phone was stolen. The person who stole it accessed my Cash App account and withdrew a total of {$820.00} without my authorization. They also sold access to my account to others. I filed a police report and submitted all supporting documents and evidence to Cash App, clearly showing that the transactions were unauthorized. Despite this, Cash App denied my dispute and refused to refund the stolen funds. While I was still actively working with their support team to resolve the issue, Cash App closed my account, which prevented me from accessing my information or continuing to follow up. I am requesting that this case be re-investigated and that I be fully reimbursed for the fraudulent activity under my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
Please permanently block and remove the attached personal information as it is hurting me and my family. Attached are my updated documents for Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Aqua Finance, Inc.
State: PA

Complaint narrative:
XXXX, XXXX I filed a dispute with XXXX, XXXX  and XXXX regarding XXXX XXXX placing a XXXX, XXXX, XXXX  day late on my credit report. I included text messages from XXXX XXXX confirming the XXXX payment, due on XX/XX/XXXX, was made on XX/XX/year>, which was not XXXX  days late. I also included receipts from XXXX confirming the XXXX payment, due on XX/XX/XXXX, was made on XX/XX/year>. Finally in XXXX of XXXX  my credit report with XXXX, XXXX  and XXXX was corrected to show no late payments. In XXXX of XXXX, XXXX is again showing a XXXX XXXX, XXXX day late. As of XX/XX/year>, XXXX  is still correct with no XXXX  day late showing. As of XX/XX/year>, the status of my credit report with XXXX  is unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, XXXX  I filed a dispute with Transunion, XXXX  and Equafax regarding XXXX XXXX placing a XXXX, XXXX, XXXX  day late on my credit report. I included text messages from XXXX XXXX confirming the XXXX payment, due on XX/XX/XXXX, was made on XX/XX/year>, which was not 30 days late. I also included receipts from XXXX confirming the XXXX payment, due on XX/XX/XXXX, was made on XX/XX/year>. Finally in XXXX of XXXX  my credit report with Transunion, XXXX  and Equafax was corrected to show no late payments. In XXXX of XXXX, Transunion is again showing a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX is still correct with no XXXX  day late showing. As of XX/XX/year>, the status of my credit report with Equifax is unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Dear Comenity Bank Support, Thank you for your continued attention to my case and for your attempt to reach me by phone. I did receive a message asking me to call back ; however, I still do not have the technical ability to make or receive phone calls.

I also received a letter with a feedback form and a similar email dated XX/XX/XXXX, but neither provided a way to respond. I am attaching screenshots of both messages. Unfortunately, the email addresses from which your messages are sent do not accept incoming replies, which makes communication very difficult. 

As mentioned earlier, the physical letter I received from the bank did not include my credit card number. I previously attached a photo of that letter. 

In addition, I would like to highlight the following development : Recently, I received a message containing a link to what appeared to be a payment page. I entered my payment information ( XXXX XXXX ). However, the system froze, and the payment was not processed. Another screenshot clearly shows that penalty and late fees, which you had previously stated would be waived under the circumstances, were once again included in the total amount due. This is confusing and concerning. 

Despite these developments, my core issue remains unresolved : I still do not have access to my credit card number, and therefore I am unable to : register for the Account Center make a payment submit an official request through a secure form or close the account As previously stated, I do not have access to phone or voice communication ( including TTY/TDD ), but I do have an active email address and mailing address, which I respectfully ask you to use as the primary channel for communication. 

In light of the above, I kindly request the following : Please provide my full credit card number or a secure way for me to obtain it Please share an official customer service email address through which I can submit my requests Allow me to pay the outstanding balance without any additional fees, penalties, or unwanted subscriptions Once payment is made, ensure the full and permanent closure of the account I appreciate your continued attention and support in resolving this matter. I sincerely hope it can be resolved fairly, clearly, and without further complications. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 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: NJ

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C.

1681e ( b ). The CFPBs January 2025 enforcement action against Equifax ( resulting in a {$15.00} million penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. XXXX XXXX XXXXXXXX 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 2025-07-14 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: MI

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-14 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:
I am filing a formal complaint regarding inaccurate, conflicting, and unverifiable credit reporting related to an auto loan account opened on XX/XX/XXXX, originally with XXXX ( XXXX XXXX ), account ending in XXXX. The account was charged off and closed, but the information being reported across the three major credit bureaus XXXX, XXXX, and TransUnion is inconsistent, factually inaccurate, and misleading XXXX  reports : Balance : {$4600.00} Charge-off date/status updated : XX/XX/XXXXXXXX  Past due amount : {$4600.00} Last payment date : XX/XX/XXXXXXXX  Status shows past due as of XX/XX/XXXX, which is misleading since the account is charged off and should not show active delinquency years later. 
XXXX  reports : Balance : {$4600.00} Last payment made : XX/XX/XXXX, for {$3000.00} Past due amount : {$4600.00} Status : Charge-off History shows late marks through XX/XX/XXXX, again despite charge-off. 
TransUnion reports : Balance : {$4500.00} Last payment amount : {$3000.00} Past due : {$4500.00} Original balance : {$8300.00} Charge-off amount : {$4600.00} These contradictions in balance amounts, payment history, and last payment dates are a direct violation of : 15 U.S.C. 1681s-2 ( a ) Data furnishers are required to report accurate information.

15 U.S.C. 1681e ( b ) Credit bureaus must maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) I exercised my right to dispute these inconsistencies directly with each credit bureau, but they verified the accounts without addressing the factual errors or providing any valid evidence.

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 2025-07-14 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 filing a formal complaint regarding inaccurate, conflicting, and unverifiable credit reporting related to an auto loan account opened on XX/XX/XXXX, originally with XXXX ( XXXX XXXX ), account ending in XXXX. The account was charged off and closed, but the information being reported across the three major credit bureaus Experian, XXXX, and XXXX is inconsistent, factually inaccurate, and misleading Experian reports : Balance : {$4600.00} Charge-off date/status updated : XX/XX/XXXXXXXX  Past due amount : {$4600.00} Last payment date : XX/XX/XXXX Status shows past due as of XX/XX/XXXX, which is misleading since the account is charged off and should not show active delinquency years later. 
XXXX reports : Balance : {$4600.00} Last payment made : XX/XX/XXXX, for {$3000.00} Past due amount : {$4600.00} Status : Charge-off History shows late marks through XX/XX/XXXX, again despite charge-off. 
XXXX  reports : Balance : {$4500.00} Last payment amount : {$3000.00} Past due : {$4500.00} Original balance : {$8300.00} Charge-off amount : {$4600.00} These contradictions in balance amounts, payment history, and last payment dates are a direct violation of : 15 U.S.C. 1681s-2 ( a ) Data furnishers are required to report accurate information.

15 U.S.C. 1681e ( b ) Credit bureaus must maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) I exercised my right to dispute these inconsistencies directly with each credit bureau, but they verified the accounts without addressing the factual errors or providing any valid evidence.

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 2025-07-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request to Block Unauthorized Information Under FCRA Section 605B To Whom It May Concern, I am writing to formally request that you block and remove certain information from my credit report, as required under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c2 ]. 

The information listed below has been reported on my credit file without my consent or authorization. Please remove this information from my credit report within four ( 4 ) business days and send written confirmation once completed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions or require additional documentation, feel free to contact me via email. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 
Under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ), the bureau is required to conduct a reasonable reinvestigation within XXXX  days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. 
Instead, the bureau appears to rely on automated systems ( such as XXXX ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA XXXX ( b ) / XXXX XXXX. XXXX ( b ). 
The XXXX XX/XX/year> enforcement action against XXXX  ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

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 2025-07-14 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: FL

Complaint narrative:
Please permanently block and remove the attached personal information as it is hurting me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: MI

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: IL

Complaint narrative:
These accounts are the result of identity theft and were not opened, authorized, or used by me. I have informed the credit bureaus and original creditors, submitted all required documentation under the FCRA, and requested deletion. Both the credit reporting agency and the data furnisher have failed to comply with FCRA provisions, including the obligation to remove fraudulent accounts upon receipt of proper identity theft documentation. Please delete these items immediately to remain in compliance. 
XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged Reference # : XXXXXXXX XXXX XXXX XXXX  Bankruptcy : Discharged XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation