vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
Ive been dealing with a difficult situation I got involved in due to my cash app account being hacked. There were XXXX transactions made through this app without my authorization or knowledge. I noticed {$880.00} was taken away from my bank account in just a matter of seconds. I was surprised by this action and tried to investigate what happened until I realized the transactions came from cash app. This happened on XX/XX/XXXX. I contacted my bank to file a claim so I could get a refund from the unauthorized transactions. Unfortunately I got denied and did not get my money back. I was told to reach out to cash app support, and thats what I did. Since then Ive been filing claims, in total XXXX claims, in which all of them have been denied. Its been XXXX months already since the problem took place and I havent had any support at all on getting all the money lost due to my account being hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
Experian is reporting late payments on XXXX accounts that are both fully paid, closed, and currently showing a XXXX balance with no past due amount. The first is an account with XXXX ending XXXX XXXX XXXX XXXX XXXX XXXX, with a reported late payment dated XX/XX/XXXX. The second is a XXXX XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX, with a reported late payment from XX/XX/XXXX. Both of these accounts have been resolved in full, and any outstanding obligation has long been satisfied. Yet, Experian continues to report the historical delinquency in a manner that materially misrepresents my creditworthiness and violates my rights under the Fair Credit Reporting Act. 

The law is very clear under 15 U.S.C. 1681e ( b ) that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they include in consumer files. Reporting late payments without proper contextual accuracynamely that the accounts have zero past due balance and are closed and paid in fullis not just misleading, it is legally noncompliant. Moreover, the late payment on the XXXX account dates back over XXXX  years, and even the XXXX entry is well beyond XXXX years old. The FCRA imposes strict limits on how long adverse information can be reported under 15 U.S.C. 1681c ( a ) ( 5 ), which clearly states that delinquencies and other negative payment information can not remain on a consumer report for more than XXXX years from the date of delinquency. 

Despite submitting prior disputes with supporting documentation and clear explanations, Experian has failed to take corrective action. These late payment marks are outdated, incomplete, and misleadingespecially given the fact that these accounts have XXXX balance and are no longer delinquent in any way. Their continued presence on my report is harming my credit standing and misrepresenting my financial profile to lenders, landlords, and others who rely on this information. Ive faced repeated credit denials and higher rates due to these inaccuracies, all while knowing I had paid off these accounts long ago. The emotional strain and financial impact of being punished for obligations Ive already fulfilled is unjust and unlawful.

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 2025-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: WV

Complaint narrative:
I bought into XXXX of XXXX 's " XXXX on us. '' deals. I did everything over the internet and about XXXX  months later noticed XXXX was not paying their part on the bill. I called and complained, they credited me the full amount of the phone and when my contract was up I was told I still owed {$500.00}. Obviously I refused to pay because the phone was paid off and eventually it was added to collections. Every year and a half the collection is removed and then added back by a new collection agency. It had been removed about XXXX  months ago and I thought I was finally done with it. Until today, XX/XX/2025, it was added back to my report by Radius Global Solution, XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX  XXXX. I called the collection company today and offered to settle the debt, they told me if I paid {$280.00} they would send me a receipt saying the account was paid in full and then send requests to have it deleted from my report. I told them that before I paid I would like an agreement letter e-mailed or mailed to me stating that after I paid the debt it would be settled and removed from my credit report within XXXX to XXXX  days. I don't want to pay this agreed upon amount and then a few months later have a new amount added to collections on my credit report. The company refused to send a letter, then reassured me that once I paid the amount they would request the account be deleted from my report, I told them I would not give them any money until I received a letter, they continued to refuse so I ended the call.

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 2025-07-16 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is XXXX XXXX XXXX involved. Please review the uploaded letters.

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 2025-07-16 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is XXXX XXXX XXXX involved. Please review the uploaded letters.

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 2025-07-16 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
STATUS Submitted to the CFPB on XX/XX/year> PRODUCT Credit reporting or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I've recently received a copy of my credit report and noticed several accounts and unauthorized account information reporting on my credit report. these remarks have been detrimental to life and credit health. 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  View full complaint Sent to company STATUS Sent to company on XX/XX/year> We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company still working STATUS Company response is in progress as of XX/XX/year> The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
STATUS Submitted to the CFPB on XX/XX/year> PRODUCT Credit reporting or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I've recently received a copy of my credit report and noticed several accounts and unauthorized account information reporting on my credit report. these remarks have been detrimental to life and credit health. 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  View full complaint Sent to company STATUS Sent to company on XX/XX/year> We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company still working STATUS Company response is in progress as of XX/XX/year> The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company.

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 2025-07-16 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: FL

Complaint narrative:
Over the past two months, I have made repeated efforts to resolve inaccuracies, fraudulent inquiries, and unverified accounts on my credit report with TransUnion. These efforts included multiple certified dispute letters, as well as verbal communication, but the credit reporting agency has failed to update, correct, or verify the information on my account as required under federal law. 

Specifically : On XX/XX/2025, I sent a formal dispute letter via certified mail to TransUnion, demanding verification or removal of multiple accounts. This included requests for original signed consumer contracts under FCRA Section 609 ( a ) ( 1 ) ( A ) and corrections under 15 U.S. Code 1666b due to payment posting delays. 

The letter was mailed again with tracking confirmation on XX/XX/2025, yet no meaningful response or resolution has been provided to date. 

Despite these efforts, TransUnion has failed to verify or remove any of the disputed items, nor have they corrected the inaccurate or misleading information. 

I also made verbal attempts to resolve these matters, which were ignored by TransUnion and the other major bureaus. 

These ongoing reporting failures have directly harmed my credit standing and violate my rights under the Fair Credit Reporting Act. 

The listed accounts include alleged debts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX Several of these are reporting inaccurate information, lack any verifiable contract, or are not mine. XXXX XXXX XXXX XXXX XXXX, is not licensed to collect in Florida, and no forward flow agreement has been provided. 

In addition to these accounts, my credit file also shows multiple unauthorized auto inquiries which are fraudulent and should not appear on my report. I have previously spoken with TransUnion and the other bureaus regarding these inquiries and explained that I did not authorize any of them. Despite this, they have not been removed and no action has been taken. 

Furthermore, it is important to note that the Consumer Financial Protection Bureau ( CFPB ) has already filed lawsuits and taken enforcement action against TransUnion and other credit bureaus for similar violations including failing to investigate consumer disputes, refusing to correct inaccurate information, and continuing to harm consumers through willful noncompliance. Despite prior enforcement, these same illegal and harmful practices are still being committed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
We went on a family cruise XXXX XXXX XXXX XXXX  We went from our home in XXXX XXXX XXXX to the XXXX, then we were home again in XXXX  XX/XX/XXXX. On XX/XX/XXXX AND XX/XX/year>, there are transactions for {$60.00} ( purchase ) as well as {$1.00} ( international fee ). This is a total of {$120.00} that was NOT authorized. When it was searched about where the transaction was made it was in the XXXX. We were NOT in the XXXX on either of those dates. We called & canceled the card, filed a fraud & were given back the unauthorized money into the account. They did an investigation stating it was an authorized transaction & took the money back out. I have filed a complaint on XX/XX/year>, it was closed on the XXXX without notification. I called again on XX/XX/year>. Again, the complaint was closed. I do not know how to make it any more clearer that a transaction made in the XXXX on both of those dates WERE UNAUTHORIZED!!! A {$120.00} was stolen & Huntington Bank refuses to refund the money into the account. If the {$120.00} is not refunded I will be closing all accounts with Huntington Bank, telling ALL friends & family to do the same and moving my banking to another institution. This is absurd & FRAUD!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 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: MI

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed an account with Experian ( Creditor : [ insert creditor name ], Account # : [ insert number ] ) on [ insert date ]. The dispute was marked resolved within 24 hours, but I was never provided with : The results of the reinvestigation Any documentation used to verify the account The name or contact information of the furnisher ( data provider ) This violates my rights under the Fair Credit Reporting Act ( FCRA 611 ), which entitles me to a reasonable investigation and a summary of the findings. It appears Experian either failed to conduct a proper reinvestigation or auto-verified the account through automated systems without any evidence.

I request that the CFPB investigate this failure to comply with FCRA and require Experian to provide full reinvestigation documentation.

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 2025-07-16 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: TX

Complaint narrative:
I was looking at my credit report and it was showing inaccurate information from the car loan. The amount of the balance and the reporting date was not correct. Transunion website.

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 2025-07-16 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief