vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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:
The reported late payment is uncharacteristic of my payment history and seems incorrect. Please remove or amend it as appropriate. This record misrepresents my financial behavior and requires review.

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 2025-08-21 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Consumer Financial Services Solutions, Inc.
State: GA

Complaint narrative:
From XXXX XXXX, from Accredited Debt Relief, sent an This email is from XXXX XXXX XXXXXXXX XXXX, Certified Debt XXXX ( XXXX ) at Accredited Debt Relief * *, sent on * * Thursday, XX/XX/2025, at XXXXXXXX XXXX XXXX XXXX XXXX 

It is addressed to XXXX XXXX XXXX XXXX XXXX and has the following characteristics : * * * Tone : * * Harsh, judgmental, and unprofessional. The sender criticizes the recipients decision to withdraw from the program, calling it a " mistake '' and suggesting it will lead to further financial issues.

* * * Content : * * * States the sender can not assist with a certain letter.

* Claims they were attempting to help with debt relief but now the recipient is " on your own. '' * Warns of possible lawsuits from creditors, citing that the recipient already has one lawsuit from XXXX. 
XXXX Directs the recipient to contact the client success department for cancellation, providing a phone number ( XXXX XXXX XXXX XXXX XXXX XXXX since the sender does not have access to send it. 
* Repeatedly questions why the recipient dropped out of the program in an intrusive and condescending manner. 
* * * Signature Block : * * * XXXX XXXX name, title, company, phone number, and email. 
XXXX XXXXXXXX XXXX XXXX logo and trust-related badges ( XXXX XXXX XXXX XXXX XXXXXXXX ). 

* * Summary : * * The email is a client communication from a debt relief specialist, but it is highly * * unprofessional and inappropriate * *. Instead of maintaining a neutral, supportive, and compliant tone ( which is essential in financial services ), the sender uses shaming language, makes threats of lawsuits, and applies pressure tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-21 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: OH

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MA

Complaint narrative:
I received an information on my credit report about a hard inquiry that someone tried to open an account with my information and I don't recognize that request, equifax post this on my credit and this wasn't me, I need they delete this wrong information on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
I was trying to send money to my own account into my sister, but it kept declining because of exceeded sending limit which I dont think I have exceeded according to the policy written then after that, My Account wouldnt let me do anything. Im unable to buy food and gas and I want to make a payment so my car doesnt get repossessed. I also have mouths feed and also I just got paid again, but Cash App rejected my direct deposit. My account has been frozen due to suspicious activity, but I havent done anything suspicious in my account. I am extremely upset and will not be banking with Cash App anymore after this, I really need my funds now they keep telling me they will send me an email which I havent received in a couple days my case has been escalated and Im still waiting for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/year> I started receiving emails from Santander bank about accounts being opened for me ; a checking and savings account and that a debit card was on its way. I emailed their fraud email to state this was not me and it needed to be closed down. By XX/XX/XXXX and two more emails sent to me, I called them and spoke to first one, then another person higher up the chain. I was told that they closed the account down and to shred the debit card when it comes. I rec 'd the debit card on XX/XX/XXXX and promptly shredded it. Side note - I had got thru all 3 credit bureaus a year prior and froze all my credit accounts. 
As of XX/XX/XXXX, I have rec 'd another email about a pin number to log into my debit account. I will call the company yet again but have sent them another scathing fraud email that asked them why I keep getting emails for an account they assured me was closed down. I also inquired how they could open fraudulent debit and checking accounts when I had frozen my credit. This is incredibly frustrating that someone is trying to steal my identity, when I've gone thru the proper channels to protect myself. Please let me know if you have any questions. Thank you.

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 2025-08-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$310.00} NCA - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
I accidentally messed up my direct deposit information entering the wrong account number. When I noticed the issue I was told I would be one to three days for the rejection to happen.

I was assured somebody who handles the specific issue would reach out and that never happened. I had to ask three times a day a status that was never updated. I still have no information and its been over seven days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading student loan information being reported by Aidvantage on my credit report. The information being reported does not reflect accurate payment history, loan status, and balance. I have reviewed my credit reports and found errors that include inconsistent reporting dates, duplicate listings, and incorrect delinquency notations.

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are obligated to maintain accurate and verifiable information on consumer reports. Aidvantage is reporting unverifiable and misleading information that is damaging my credit standing. I have not been provided with validation or documentation that supports the accuracy of what is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
I am writing to file a complaint regarding multiple unauthorized inquiries on my credit report that occurred between XXXX and XXXX. Upon reviewing my credit report, I noticed several inquiries related to auto loans, which I did not initiate or authorize. I believe that these inquiries are a result of identity theft. 

The inquiries in question are as follows : fXXXX 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 XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> I did not apply for any auto loans during this period and have no connection to the companies that made these inquiries. I have taken steps to report the identity theft to the appropriate authorities, including filing a report with the Federal Trade Commission ( FTC ) and placing fraud alerts on my credit files. Despite these actions, the unauthorized inquiries remain on my credit report.

As these inquiries are a result of fraudulent activity, I respectfully request that the CFPB assist in investigating this issue and help me resolve it. Additionally, I would appreciate any guidance on how to proceed with clearing my credit report of these unauthorized inquiries and ensuring that they do not negatively impact my credit score.

Thank you for your attention to this matter. Please let me know if you require any further information or documentation to process my complaint.

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 2025-08-21 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the handling of my XXXX XXXX XXXX XXXX XXXX ( HELOC ) account with XXXX XXXX 

I have maintained my XXXX  with XXXX XXXX for over a year, with payments set to be automatically withdrawn from my XXXX checking account. However, in XXXX, the scheduled payment was not withdrawn from my checking account. Instead, an advance was made from the XXXX  itself to cover the paymenteffectively using the XXXX  to pay its own balance. 

I contacted XXXX XXXX approximately three days after the transaction to inquire about the issue. Unfortunately, I received no clear explanation and was given inconsistent information. I requested that the bank investigate the error, correct it by withdrawing the payment from my checking account, and reimburse the additional interest I incurred due to the increased balancesince my XXXX  accrues interest daily. 

Despite multiple follow-ups ( six calls in total ), including a conversation with a supervisor who assured me the issue would be resolved by XX/XX/XXXX, no action was taken. On XX/XX/XXXX, I called again and learned that the payment had been reversed on XX/XX/XXXX, but no withdrawal was made from my checking account. As a result, my loan was marked past due and a {$35.00} late fee was assessed. 

I requested that the late fee be waived and again asked for reimbursement of the interest accrued due to the banks error. The representative stated that a request would be submitted. I then made the XXXX payment over the phone and included an additional {$50.00} principal payment. However, upon reviewing my account, I discovered that the {$50.00} was incorrectly applied to interestthis has occurred XXXX times over the past year despite clear instructions. 

During my most recent call, the representative was dismissive and informed me that Flagstar Bank would not reimburse the excess interest, even though the error was theirs. I was denied access to a supervisor and was told to email the complaints department. 

I am submitting this complaint in the hope that XXXX XXXX  practices will be reviewed and addressed. It is unacceptableand potentially unlawfulfor a financial institution to make errors that result in financial harm to customers without accountability or resolution. 

Thank you for your attention to this matter.

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