vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
I recently became aware of inquiries from your company on my credit report that I never authorized.

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 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into 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
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
I am filing this formal complaint against Experian, Equifax, TransUnion list all that apply for their continued failure to accurately report my credit information and their non-compliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, the bureaus have failed to correct the inaccurate and inconsistent data on my credit file, violating my rights under federal law. 

Summary of Complaint : The credit bureaus are reporting inconsistent, inaccurate, and outdated information across multiple accounts : Date Last Verified Date of Last Activity Date Opened Last Payment Date Payment History Errors Closed Date account numbers These discrepancies are not only misleading but also negatively impacting my credit profile. Despite providing supporting documentation, the bureaus have either failed to investigate properly, refused to correct the errors, or have used automated dispute systems ( e-OSCAR ) instead of conducting a reasonable reinvestigation as required by 15 U.S.C. 1681i. 

Specific Accounts in Dispute : Creditor Name : 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

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 2025-03-01 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: CA

Complaint narrative:
I am filing this formal complaint against Experian, Equifax, TransUnion list all that apply for their continued failure to accurately report my credit information and their non-compliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, the bureaus have failed to correct the inaccurate and inconsistent data on my credit file, violating my rights under federal law. 

Summary of Complaint : The credit bureaus are reporting inconsistent, inaccurate, and outdated information across multiple accounts : Date Last Verified Date of Last Activity Date Opened Last Payment Date Payment History Errors Closed Date account numbers These discrepancies are not only misleading but also negatively impacting my credit profile. Despite providing supporting documentation, the bureaus have either failed to investigate properly, refused to correct the errors, or have used automated dispute systems ( e-OSCAR ) instead of conducting a reasonable reinvestigation as required by 15 U.S.C. 1681i. 

Specific Accounts in Dispute : Creditor Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
My account is Incorrectly reporting to my credit report that I have a balance due of {$190.00} and My bill was paid in full XX/XX/scrub> 2025 The statement went out on XX/XX/scrub>/2025 and was never reported accurately My credit limit is also showing inaccurately as my account limit is {$350.00} and my Balance is reporting a available credit of {$190.00} but my credit is {$350.00} New balance + {$190.00} Past due amount {$37.00} Credit limit {$350.00} Available credit {$190.00} Statement closing date XX/XX/scrub>/2025 Days in billing cycle 28

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct 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 explanation
Consumer complaint received 2025-03-01 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:
Incorrect personal data is listed on my profile. I request you to review the documents that contain my accurate details.

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 2025-03-01 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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 notice on my credit report that accounts i had disuputed before stating identity fraud i ask to investigated but i never heard them

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 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MA

Complaint narrative:
This complaint is in regards to the app called 'cash app '. They are using deceptive strategies to steal money and I would like my money refunded and I would like them to change how their app operates. This issue must have already been reported by thousands of people to you. Basically when you try to withdraw money from them to your bank account a screen pops up with multiple field selections. In one of these fields is the option for 'instant transfer ' which charges astronomically high prices. When you click on that field to try to change it from instant transfer to a normal transfer/cheaper way of transfer, the app automatically instantly transfers the money and takes a big chunk out of it for themselves. There is no safeguard asking you to verify, and also no screen pops up as a receipt of how much they took. This is blatant theft and highly deceptive and wrong. It happened to me on XX/XX/year> and again tonight XX/XX/year>. I know that the one from tonight they charged me {$30.00} and change. The one from the XXXX I dont know how much they charged me. I want my money back and I would like them to put safeguards and verifications in place because they know what they are doing and this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : 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 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My card was randomly revoked without notice, I only found out when I was trying to order car parts for my project car. I called and asked why It says I have no card on file and I was vaguely told miss-use. So I asked can you tell me which transactions are deemed as miss-use of my own money?, I got no response. I was told I would be transferred to another representative which I wasnt and just got hung up on. I called back to ask for the reason my card was randomly revoked and I still got no answer. My next move is to move all my money out of my Wells Fargo to my main banking account. I go to make a wire transfer and of course I cant and XXXX given a prompt to call Wells Fargo to verify my identity which I have done XXXX XXXX. So I confirm my identity and am told my number being changed was the problem, so it was updated in the system and I was told that I wouldnt have an issue. Try again, of course doesnt work, I log into my XXXX  to transfer my money, cant connect my account, log into XXXX cant connect my Wells Fargo there either. I call back againnnnnn and get a superior on the line and am told that I have to set up online wire transfers for it to work and that XXXX transfer me to the department that will help. Transfer is done I tell the lady what I was just told and she basically says I was fed a load of XXXX. by a higher up!? You cant make this up, my money is just unaccessible, cant move it, cant spend it, because they saw my purchases as suspicious. Mind you I buy car parts on this bank account.So suspicious. I call again to just renew my debit, the lady goes you cant have another card until XXXX  months has lapsed. At this point all I can do is laugh or XXXX lose every piece of my mind that I have left dealing with this silly bank. At this point XXXX still cant move my money great stuff cant make this up really. There is nooooo way this is ethical at all. All legit deposits from my work and tax return, all my statements are food and car parts like what on earth do they consider suspicious over there. XXXX had this problem with any of my banks just 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 2025-03-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-01 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: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH capital XXXX and 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 reported in to be removed. 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. XXXX 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-03-01 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: CA

Complaint narrative:
I am filing this formal complaint against Experian, Equifax, TransUnion list all that apply for their continued failure to accurately report my credit information and their non-compliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, the bureaus have failed to correct the inaccurate and inconsistent data on my credit file, violating my rights under federal law. 

Summary of Complaint : The credit bureaus are reporting inconsistent, inaccurate, and outdated information across multiple accounts : Date Last Verified Date of Last Activity Date Opened Last Payment Date Payment History Errors Closed Date account numbers These discrepancies are not only misleading but also negatively impacting my credit profile. Despite providing supporting documentation, the bureaus have either failed to investigate properly, refused to correct the errors, or have used automated dispute systems ( e-OSCAR ) instead of conducting a reasonable reinvestigation as required by 15 U.S.C. 1681i. 

Specific Accounts in Dispute : Creditor Name : 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

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 2025-03-01 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: GA

Complaint narrative:
XXXX XXXX ( XXXX ), ( XXXX ), This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of : ( ACCOUNT and ACCT number ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
{$1200.00}. To Kimble Tirey and St John ( Attorneys ) out of XXXX XXXX for an alleged bill to XXXX XXXX XXXX. Initially started from a personal disagreement with XXXX XXXX ( acting alleged Property XXXX ) who recently was terminated for unethical practices. I do not owe this bill. Not mine. Needs to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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