vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against Equifax for violating the Fair Credit Reporting Act and Metro 2 guidelines by reinserting previously deleted accounts without the legally required notice and continuing to report inaccurate and unverifiable information. 

On XX/XX/year>, Equifax deleted the following accounts from my credit report after multiple disputes and submission of an FTC Identity Theft Report XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX account ending in XXXX However, on or around XX/XX/year>, Equifax reinserted both of these accounts back onto my credit report. No notice was provided within five business days as required by FCRA section 611 ( a ) ( 5 ) ( B ). I checked all mail, email, and credit monitoring alerts, and I received nothing regarding these reinsertions. 

In addition, Equifax has never provided me with any signed contract, application, or agreement to support that these accounts belong to me. Despite repeated disputes, Equifax has not provided a description of the procedure used to verify the accounts, nor have they disclosed the name, address, or phone number of the furnisher as required. 

Here is a breakdown of the specific violations : FCRA 611 ( a ) ( 5 ) ( B ) Reinserted accounts without sending written notice within five business days FCRA 611 ( a ) ( 7 ) Failed to describe the procedure used to verify the accounts, including the source of the information FCRA 623 ( a ) ( 1 ) ( A ) Continued reporting of inaccurate or unverifiable information after being notified FCRA 607 ( b ) Failed to maintain reasonable procedures to ensure maximum possible accuracy Metro 2 violations The accounts contain inconsistent payment histories, conflicting status codes, and are reporting as verified despite the absence of any signed documentation These accounts should not have been reinserted without proper notice and verification. This is not a request for another investigation. Equifax already had their chance to verify and failed to provide anything valid. If the data furnisher can not provide a signed contract or agreement with my name on it, the account is not verifiable and must be permanently deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
b'Name: XXXX XXXX  -- CALLING FROM VARIOUS NUMBERS; ALL TIMES OF THE DAY FROM XXXX ON -- AND THEY CALL FROM VARIOUS SPAM NUMBERS BUT SO MANY TIMES IT IS INCREASINGLY BECOMING VERY SCARY. I AM AN ELDERLY WOMAN WHO LIVES ALONE. THIS IS VERY SCARY. I WANT IT TO STOP NOW. THIS COMPANY IS RUTHLESS AND THEY ARE INTIMIDATING AND FRIGHTENING ME.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
I went to check my credit and I seen unauthorized actions on there.

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 2025-08-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year> cashapp closed my account for no reason and without warning. I did nothing wrong, all I was told was that I violated a policy with their investment account. Its a benefit of receiving direct deposit which was advertised by cashapp. My cash tag is $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I received XXXX letters in the mail saying both my personal and business account would be closed. I brought in another letter saying an old account I don't use anymore would be closed. While I was there showing them the letter, I specifically told them I received a letter that ALL my active accounts would be closed. They told me they don't see anything in their system so it must be a glitch and that I shouldn't worry. Sure enough my accounts were all closed unexpected. I went in to the brach and they refused to give me any information on why. This put me into a panic and a scramble, I went to XXXX XXXX XXXX and immediately opened an account and started transferring everything over. During this process a payment to a lender which is due weekly couldn't be processed and now they are charging me a {$5000.00} fee. I do not believe this is any of my responsibility due to the bank being unable to give me information and also giving me false information that my accounts would be left open. This information was given to me by XXXX XXXX of M & T bank. To protect themselves, I beleive they lie to their supervisors, and to me about what was said to make me look the bad. They claim since I didn't bring all the letters in they couldn't know that my accounts were being closed even when I specifically told them I received a letter for ALL accounts. On top of this, when I went to withdraw all my money the teller told me my balance. I saw a pending transaction that day for {$1000.00} so I asked again, " Are you sure that includes all pending transactions? '' They said yes. I said ok then I would like to withdraw all of that money. They gave me the money and then I saw the next day I was overdraft. Now they claim they didn't see the pending transaction and their supervisor XXXX, said my balance was never at that level so its weird they would be able to give me that money. They are saying all of this will be reported to CHEX systems and it will look bad to other banks. Again, not my fault or problem but they are trying to punish me for it.

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 monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the reporting of an account that is fraudulent and completely unrelated to me. I have never authorized, applied for, nor used this account in any way. Its appearance on my credit report is both inaccurate and highly damaging to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc.
State: OH

Complaint narrative:
SIMM Associates XXXX XXXX  XXXX, XXXX, DE XXXX ( XXXX ) XXXX I am filing a complaint regarding SIMM Associates for misleading and contradictory debt collection practices. 

SIMM Associates sent me two emails requesting that I settle medical bills. I called to pay the stated amounts. During the call, I spoke with a representative named XXXX XXXX She told me she needed to see the emails to confirm the amounts and asked me to forward them to the same email address they had come from. I complied. 

XXXX then stated that there were actually five invoices, not two, and said I owed a total of {$90.00}. She further stated she would honor a 30 % settlement, reducing the balance to {$63.00}. I agreed to this settlement, provided my credit card information, and was told that I would receive a receipt to my email. I recorded this conversation. 

Instead of sending a receipt, XXXX sent me an email directing me to send a {$90.00} payment to their address, which was inconsistent with what had just been agreed upon. When I replied and pointed out that I had a recording of our conversation, she responded by sending me five additional emails with invoices I had never previously received. 

My credit card is showing the deduction for XXXX. 

This conduct is misleading, contradictory, and appears designed to confuse and pressure me into paying amounts beyond what had been initially presented or agreed to. I am submitting this complaint so the FTC is aware of these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made timely payments, and any inaccuracies in this reporting are both unfair 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On Friday XX/XX/XXXX I called Experian Rent bureau to get a status update on the removal of " Fair Collection & Out Sorce '' the account was investigated through Experian Credit Bureau and removed/deleted and blocked on XX/XX/XXXX by a supervisor named XXXX who informed me that he shared the same information for removal & Blocking of the account " Fair Collection & Out Source '' with the other credit bureau and reporting agencies. All the other credit reporting agencies ( XXXX XXXX XXXX XXXX Rental Bureau ) deleted the account and blocked it within 24 hours. The only one still reporting the inaccurate derogatory account is Experian Rental Bureau. On XX/XX/XXXX I Spoke With a representative at Experian Rental Bureau Named XXXX at XXXX, I asked her if the account had been updated and removed as well as blocked. She informed me that Experian Rental Bureau still had it reported as the same with no update. She told me that she had to dispute it on her end to get in contact with FCO ( Fair Collection & Out Source ) and told me that she did not need any of my documents. That same day I called and spoke with a representative at Experian Rent Bureau XXXX XXXX who told me she was sending the a count to escalation department and would have a supervisor named XXXX call me on Monday XX/XX/XXXX ( Case XXXX XXXXXXXX ) on Monday a supervisor never called me or even attempted to get in touch with me. So I requested for another follow up call on Tuesday from a supervisor, I was told the same supervisor named XXXX would call me within three hours, He never did. I have been requesting to speak with a supervisor for days now and I'm being told that a supervisor would get in touch with me and that notes are being sent to him asking for immediate response, yet there has been no response on the supervisor end. Attached to this complaint is a notorized letter that was sent by my attorney to all credit reporting agencies as well as ( Fair collection & Out Source ) which FCO ignored completely and failed to respond to. Which resulted into the deletion and blockage of the derogatory account & information. The second letter attached was also written on my behalf from my legal representative, which was sent to Experian Credit Bureau. I'm requesting that Experian Rental Bureau Delete and block Fair Collection & Out Source like the rest of the credit bureaus from reporting inaccurate deterogtory information on my profile. I'm also requesting that a supervisor calls me, as I have been requesting.

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 2025-08-19 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-08-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and inaccurate information has been reported in my consumer file by XXXX XXXX XXXX and Bank of America.In XXXX XXXX scammer accessed my student account and issued a fake check in my name. I was misled into believing I qualified for a {$4800.00} loan and was instructed to deposit funds into my bank account. I did so, unaware that the transaction was fraudulent.I immediately contacted the police, and they confirmed through an investigation that I was a victim of identity theft. I submitted a police report, my ID, and a written dispute to XXXX XXXX XXXX. Initially, they blocked the fraudulent Bank of America account ( Account # : XXXX ), but later reinserted it, claiming the information was accurate.This account is now listed as Checking Account Fraud and Unpaid, which is incorrect and damaging to my financial reputation. I also contacted the bank directly, but they have not corrected the record.I want to clarify that I never received or used the money in my account, and I do not owe any debt to the bank.I am requesting the CFPB to investigate this matter and help ensure the fraudulent information is permanently removed from my consumer report.

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 2025-08-19 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: AL

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To Whom It May Concern, I am a XXXX  of XXXX. The information listed below, which appears on my credit report, stems from the result of XXXX. 

Accounts : XXXX XXXX Inquiries : 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 2025-08-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: CA

Complaint narrative:
The company reached out to my employer without my permission and asked to wage garnishment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: MD

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}

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 2025-08-19 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: NY

Complaint narrative:
This morning I discovered that inaccurate accounts are still appearing on my credit report, and I dont understand why. When I reviewed my report as I normally do, I noticed unexpected discrepancies. I even tried refreshing my browser to check if it was a temporary glitch, but the incorrect accounts remained. Because of this, I am requesting that the documents I provided be carefully reviewed so I can finally stop worrying about this issue.

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 2025-08-19 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: CA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation