vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have requested to remove inquiries from my credit report that was done without my authorization, copy sign contract or permisin letter. Company or dealership did withouth permisin

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I received a transfer for {$1200.00} on XX/XX/XXXX and the cash app account hold the money, they block my account and its under investigation. 
Also in XX/XX/XXXX I sent {$50.00} to XXXX XXXX, this company reside in XXXX florida no have any relation with XXXX XXXX, and the cash app hold the money too. 
Please I need my money back as soon as possible, thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
I contacted TransUnion to dispute multiple recent inquiries on my credit report that I did not authorize. Instead of assisting me directly, they gave me the runaround and told me to submit a physical letter with additional information, despite already having documentation. 

I have proof that TransUnion experienced a data breach involving my personal information. Within days of that breach, while I was at work, my credit report was hit with numerous inquiries that I did not initiate. I believe these inquiries are a direct result of the compromised data. 

It is unreasonable to expect me to go through excessive steps to prove my innocence when TransUnion has the ability to track IP addresses and verify unauthorized access. Their failure to protect my data has already caused damage, and I am now being burdened with the responsibility to fix it. 

I am requesting that all negative remarks and unauthorized inquiries be removed from my credit report. This breach has long-term consequences for my financial future, and I should not be penalized for TransUnions failure to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TX

Complaint narrative:
I contacted TransUnion to dispute multiple recent inquiries on my credit report that I did not authorize. Instead of assisting me directly, they gave me the runaround and told me to submit a physical letter with additional information, despite already having documentation. 

I have proof that TransUnion experienced a data breach involving my personal information. Within days of that breach, while I was at work, my credit report was hit with numerous inquiries that I did not initiate. I believe these inquiries are a direct result of the compromised data. 

It is unreasonable to expect me to go through excessive steps to prove my innocence when TransUnion has the ability to track IP addresses and verify unauthorized access. Their failure to protect my data has already caused damage, and I am now being burdened with the responsibility to fix it. 

I am requesting that all negative remarks and unauthorized inquiries be removed from my credit report. This breach has long-term consequences for my financial future, and I should not be penalized for TransUnions failure to safeguard my information.

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 2025-09-19 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TN

Complaint narrative:
They locked my account and won't let me have MY money there holding it hostage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Re : Dispute of Inaccurate / Fraudulent Account Dear Credit Bureau I am disputing the following account on my credit report, as it is not mine and is being reported in error : Creditor/Debt Collector : XXXXXXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor/Debt Collector : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX Account # XXXX * * * * Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681b limits the furnishing of consumer reports to only those with a permissible purpose. Reporting or sharing this fraudulent or inaccurate account violates these provisions. 

I demand that this account be permanently removed from my credit file and that you provide written confirmation once the correction has been made. Enclosed are copies of documents verifying my identity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I am filing this complaint against PayPal regarding a fraudulent loss of {$6900.00}. 
On XXXX XXXX, funds were fraudulently sent from my PayPal account to an unknown recipient. I know recipients name is ( XXXX XXXX ), detailed in a IC3 compliant I also opened, Submission ID : XXXX. Despite my immediate reports to PayPal and even my credit card institute ( XXXX XXXX ) PayPal denied my dispute and appeals with generic emails claiming the transactions were consistent with my history. This is inaccurate, as I rarely use PayPal and only with one known individual. The recipients account appears fraudulent, yet PayPal refused to investigate. 

PayPal representatives admitted that internal notes are inconsistent and that I must repeat my case each time I call. They also insisted my bank ( XXXX XXXX ) had to close its case before PayPal could act, even though XXXX XXXX confirmed it was already closed. I am now left with this financial loss and no accountability from PayPal. 

One PayPal representative even asked if I had clicked a link, suggesting they are fully aware scams like this are common on their platform. This reinforces the larger problem : PayPal is widely exploited by scammers, yet fails to protect consumers or conduct thorough investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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
State: TX

Complaint narrative:
I have tried multiple times to open and use a XXXX  account. Each time, XXXX  either freezes or closes the account shortly after opening, claiming they can not verify my identity, or simply notifying me that my account is closed. I have provided accurate personal information and have not been given any detailed explanation or guidance on what information could not be verified. This prevents me from accessing the service and resolving any potential errors. 
My account email is XXXX also have one under XXXX that i tried to create because they kept closing my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am submitting this complaint regarding ongoing issues with Regions Bank that have resulted in over {$4000.00} in overdraft fees due to inconsistent direct deposit postings and misleading account information. 
Several months ago, my husband and I noticed our paychecks were posting earlier than expected. While initially convenient, the timing became erratic, making it impossible to anticipate when deposits would arrive. This led to multiple overdraft charges, despite our longstanding employment histories ( 25 years for me, 10 for my husband ) and consistent payroll schedules. 
I contacted customer service and visited my local branch. A representative was helpful and initiated a refund, but the branch manager, XXXX XXXX, misrepresented debit transactions as credits and assured me the fees were reversed. Upon further review, he admitted his error. Only {$500.00} was refunded, despite my repeated efforts to resolve the issue. 
I followed all recommendations from Regions, including disabling automatic drafts, opting out of overdraft coverage, and locking my card. Yet charges continued to post and trigger overdraft fees. The lack of transparency and accountability has caused significant financial hardship. 
I believe these practices are deceptive and potentially unlawful. I respectfully request a full investigation into Regions Banks deposit posting procedures and overdraft fee policies. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: U.S. BANCORP
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint and dispute regarding two accounts that have recently appeared on my credit report. These accounts are reported by XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX and I believe they are either the result of identity theft or were reported in error.

I only began building credit this year. At the time these accounts were allegedly opened which appears to have been last year I had no established credit history, no credit cards, and no credit score.

The disputed accounts are : 1. XXXX XXXX XXXX XXXX XXXX XXXX ) I have never applied for or opened a credit card with XXXX  or XXXX XXXX. This account appeared on my credit report this month, but the reported open date is sometime in the past year again, during a time when I had no active credit accounts whatsoever. 
XXXXXXXX XXXX XXXX XXXX  Credit Card Similarly, I have never applied for or opened a credit account with XXXX XXXX. This account also showed up on my credit report this month, with an open date that precedes the establishment of my credit. I do not recognize this account and have no knowledge of its origin.

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 2025-09-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -Balance {$1100.00} -Date Opened XX/XX/XXXX XXXX XXXX # XXXX -Balance {$850.00} -Date Opened XX/XX/XXXX XXXX # XXXX -Balance $ XXXX-Date Opened XX/XX/XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX XXXX  XXXX # XXXX -Balance {$2000.00} -Date Opened XX/XX/XXXX XXXX  # XXXX -Balance {$1900.00} -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: GA

Complaint narrative:
Subject : TransUnion Improper Handling of XXXX Dispute Body : I am filing a complaint against TransUnion for improper handling of my disputes regarding the XXXX XXXX XXXX auto loan account XXXX. This account is reported with conflicting balances and delinquency dates, violating FCRA 607 ( b ).

Each time I file a dispute, TransUnion dismisses it as a duplicate dispute without conducting a reasonable reinvestigation. This violates FCRA 611 ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation of disputed information. Simply labeling a dispute as duplicative does not satisfy the law. 
Furthermore, TransUnion continues to report this XXXX account despite the fact that XXXX  does not report it at all, which demonstrates clear inconsistency and unreliability in the data being furnished. 
I request that TransUnion immediately : Conduct a proper reinvestigation of this account, Require Santander to provide the signed contract and full payment history, Delete the account if it can not be verified or reconciled with conflicting bureau data under FCRA 1681i ( a ) ( 5 ) ( A ).

This inaccurate reporting is harming my credit score and financial opportunities. I request immediate corrective action. 
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 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson Capitol LLC collection agency XXXX XXXX  or XXXX XXXX XXXX XXXX  collection agencies use collection agencies have targeted me without giving formal notice of giving the credit unions credit reporting agencies negative credit information its all stated in my PDF what I am requesting 15 USC 1681s- ( a ) ( 2 ) ( 7 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: FL

Complaint narrative:
I am writing to respectfully request a review of the late payment ( s ) reported on my account. These occurred while I was XXXX  a situation that caused a temporary but significant hardship. I have since resumed regular payments and am doing everything I can to maintain a positive financial record.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have received a copy of my credit report and have found many inaccurate information. I demand that this account be deleted. 
TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : a telecom/utility bill can not legally be reported as an Installment account. This is a factual misrepresentation under FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ).

DELETE FROM CREDIT REPORT I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE, I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARGED. 
WITHOUT PREJUDICE

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