vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was on the phone for over two hours with customer service while on a trip and I told them it was me - there was no fraud. Customer Service had told me I was clear to use my card for the remainder of my trip. The next day I went to use my card and this is when I found out U.S. bank closed all my accounts without my knowledge. This left me stranded in Nevada due to no source of money.

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 2025-05-16 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 an XXXX XXXXXXXX XXXX XXXX XXXX Due to military obligations and limited access to communication during training, Bank XXXX XXXX reported late payments for XXXX and XX/XX/year>. 
I disputed these entries under the Fair Credit Reporting Act ( FCRA ), citing violations of Sections XXXX and XXXX, and I froze secondary reporting bureaus ( XXXX, XXXX, XXXX XXXX  ) to prevent unverifiable data confirmation. 
Despite this, Bank XXXX XXXX continued to report the lates as accurate without providing documentation or validating their investigation. This appears to be an FCRA violation. 
I am requesting immediate removal of these late payments due to lack of verification and service-related hardship.

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 2025-05-16 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 an XXXX XXXX XXXX XXXX XXXX Due to military obligations and limited access to communication during training, Bank XXXX XXXX reported late payments for XXXX and XX/XX/year>. 
I disputed these entries under the Fair Credit Reporting Act ( FCRA ), citing violations of Sections XXXX and XXXX, and I froze secondary reporting bureaus ( XXXX, XXXX, XXXX XXXX  ) to prevent unverifiable data confirmation. 
Despite this, Bank XXXX XXXX continued to report the lates as accurate without providing documentation or validating their investigation. This appears to be an FCRA violation. 
I am requesting immediate removal of these late payments due to lack of verification and service-related hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year> I started having problems of viewing my credit report I was constantly getting code XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 the following items : fraudulent credit card account opened at XXXX XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX  These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CO

Complaint narrative:
I am writing to update my original complaint regarding the rent payment for the month of XXXX. I mistakenly submitted the bank statement for XXXX, which caused confusion regarding the payment of XXXX 's rent. The company responded, stating that I still owe for XXXX, but I have since reviewed my records and discovered that I made the rent payment for XXXX, which is not reflected in the initial submission. 

I have attached the corrected bank statement for XXXX, showing the payment was made on XX/XX/year>. The payment was made via direct transfer ( amount : {$2000.00} ) and is clearly visible in the " Withdrawals '' section of the statement. 

I kindly request that you review this information and correct the company 's records to reflect the accurate payment status for XXXX. I seek a resolution to confirm that the rent for XXXX has been paid, as there is no outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-16 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 was reviewing my credit report and noticed fraudulent accounts that hinder my ability to obtain credit. Please, i need you to look into this

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 2025-05-16 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
The following cases remain unresolved for an unacceptably long period of time : # XXXX, # XXXX, and # XXXX. 

I have already submitted all requested documentation, including the most recent request for an updated utility bill, which was provided promptly. 

This is XXXX final opportunity to resolve these matters before I escalate the issue to XXXX XXXX  ( the card issuer ) and report it as a case of unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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. 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!

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 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi I hope you're doing well. 

I am the owner of the PayPal account XXXX, which is used exclusively to receive donations for our registered non-profit organization, XXXX XXXX XXXXXXXX. Recently, my account was limited due to a supposed copyright violation. However, I would like to clarify that we do not sell any content or services, and we do not share or distribute copyrighted material. The account is strictly used for receiving voluntary donations that support our charitable mission. 

our websiteXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: FL

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 2025-05-17 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: TX

Complaint narrative:
CashApp : XXXX  XXXX. On XXXX XXXX I received payment of {$640.00} in my cashapp account but my cash balance was not updated in my account. This situation remained for hours. I contacted CashApp via chat, messaging and call but nobody was able to help. According to CashApp customer services they had huge sudden downtime across US which was causing cash balance not to update. This downtime was not planned and not communicated to consumers. This sudden downtime caused huge financial loss to me and my family. I was unable to pay my mandatory payments due on time on XXXX XXXX therefore I request ( demand ) financial compensation of {$2000.00} from CashApp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: AZ

Complaint narrative:
I am writing to dispute the inaccurate late payment reporting for the following accounts on my XXXX Experian, and XXXX XXXXXXXX reports : XXXX XXXX ( Account Number : XXXX ) and XXXX XXXX ( Account Number : XXXX ), both reflecting a balance and past due amount of {$0.00}. These entries are inaccurately impacting my credit profile despite being closed with no outstanding balances. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I have the right to dispute any inaccurate, incomplete, or unverifiable information reported about me, and I am exercising that right to request immediate correction of these entries. 

Reporting closed accounts as late, despite a {$0.00} balance, is misleading and unfairly damages my creditworthiness. This has caused unnecessary stress and frustration, as I have taken responsible steps to manage my finances, yet these inaccuracies persist. It is deeply concerning to find such errors, which could potentially be the result of a data breach or mishandling of my personal information, leading to the misreporting of my payment history. Given the significant impact these errors can have on my ability to obtain fair credit terms, housing, or employment, I expect these inaccuracies to be addressed promptly and thoroughly.

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 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received an a lawsuit for garnishment at the end of XXXX. The garnishment started the beginning of XXXX for 25 % through my employer. even though I was making a payment. The garnishment was still going even though it was dismissed in court. Garnishment finished in XX/XX/year>. And several CSR representatives said my employer will return me the fund. It never happened and the fund was submitted to the company Midland Credit management. I was still making a payment and currently making a payment. I have told the company several times my legal last name for my employer. This company has defrauded additional over XXXX without refunding the garishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, Midland Credit Management ( MCM ) left a voicemail on a phone number that belongs to my mother, not me. The caller identified himself as XXXX XXXX, but based on the accent and tone of the voicemail, I do not believe this was his real name. He did not sound like a native English speaker, and the call had the tone of a scripted message, which raises doubts about the authenticity of the identity provided. His name was given in a voicemail left on a third-party number that does not belong to me. 

The caller stated they were from MCM and were trying to reach someone named XXXX regarding a personal business matter. They left a callback number but did not include any account or reference number. 
I am not including my mothers phone number here for privacy reasons, but I can confirm that the voicemail was not directed to a number I use. That phone number is currently and solely associated with my mother. I have had my own personal current phone number since approximately XXXX, and to the best of my knowledge, MCM has never attempted to contact me directly by phone. I regularly check and respond to my own phone calls and mail. 

By calling my mothers phone and leaving a voicemail intended for me, MCM misrepresented the number they were calling as mine and improperly disclosed personal information to a third party. This appears to violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits third-party contact and deceptive communication tactics. 
I am submitting this complaint to report what I believe is improper and unauthorized contact by MCM, and to request that this incident be investigated and that MCM be instructed to avoid further violations of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
At XXXX on XX/XX/year> I received an email from Xact Loans that my loan was approved and that funds were on the way. I contacted them as soon as customer service opened on XX/XX/year> and reported the fraudulent activity. 

They said that there would be an internal investigation and that this department did not have a direct line. I filed a police report and filed and identity theft report through the FTC. 

Xacts internal team said that they could not find a loan based on my email address. I have requested multiple times to have the loan documents sent to me which they have not done.

After speaking with their customer service department they told me that the loan was approved based on pay stubs for an organization I had never worked for in any capacity and that funds were sent to an account that was not in my name. This information was relayed to Xact and I still have not heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-05-16 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: AZ

Complaint narrative:
This is a follow-up complaint regarding the inaccurate reporting of late payments for XXXX accounts on my XXXX, XXXX, and Equifax credit XXXX. Specifically, the accounts in question are XXXX XXXX ( Account Number : XXXX ), reported as late on XX/XX/year> with a past due balance of {$0.00}, and XXXX XXXX Account Number : XXXX ), reported as late on XX/XX/year>. Despite previous disputes, these entries continue to inaccurately reflect past due balances, which is misleading and harmful to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, the credit bureaus are required to maintain maximum possible accuracy in consumer credit reports. Allowing these accounts to remain inaccurately reported as past due, despite having XXXX balances, directly violates this obligation and undermines my rights as a consumer. This negligence not only misrepresents my financial reliability but also exposes me to unfair credit decisions and potential financial loss, as such inaccurate data can significantly impact my creditworthiness, leading to higher interest rates and less favorable financial terms. 

This ongoing failure to correct these inaccuracies, despite multiple attempts to resolve the issue, demonstrates a clear disregard for the accuracy and integrity of my credit information. The continued presence of these errors highlights a systemic issue in the data verification processes used by the bureaus, raising serious concerns about their compliance with federal regulations designed to protect consumers from such unfair practices.

Company response to consumer: Closed with explanation