vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: SC

Complaint narrative:
I recently filled a ( FTC ) report to TransUnion for identity theft and inaccurate information is still showing on my credit report XXXX XXXX XXXX, XXXX Is still showing on my credit report and they are continuing to send 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 2025-08-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: OK

Complaint narrative:
I have called the number on the back of the card ( ( XXXX ) XXXX ) as suggested by XXXX XXXX XXXX during my appointment with her at the XXXX XXXX XXXX XXXX XXXXXXXX in XXXX, Oklahoma which occurred on XX/XX/year>. During my phone call on XXXXwhich lasted over six hours, Conduent notified me my funds are unable to be released to my bank account for an undisclosed reason.

It was suggested to me that I need to find an alternative method to obtain the funds and just be willing to pay any fees associated with that. They stated that this would be similar to the fees associated with expedited transaction processing while using XXXX. 

I was also told to email a whole list of personal information, including my bank statements showing my spending transactions, before they would look into the issue any further. That is not secure, and it sounds like fraudulent behavior by these government contractors to even request such a thing.

Conduent also stated I can not get the money deposited in my bank account if my husbands name is on my bank account. We do have both of our names on the bank account. I have not
been provided anything by Conduent or the state of Oklahoma that states I can not receive my XXXX  benefits if I have a joint account with my husband. 

I have verified with XXXX XXXX XXXX XXXX ( my bank ) that they are not getting any indication of any XXXX  benefits even being attempted to be deposited into my bank account. They also said that it does not sound normal at all to be told that I would have to remove my husband from my bank account or that I would be required to send copies of my financial transactions to be able to receive my XXXX  benefits. 

If I am required to remove my husbands name from my bank account and send copies of my financial records through an insecure method as described above, I would like to know what the law, regulation, rule, etc. is that the government is relying on to requiring me to do that.

I appreciate any information that can assist me in getting a resolution to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: PA

Complaint narrative:
The credit report contains false late payments, collection accounts, hard inquiries, and inaccurate personal information. All entries are unverifiable and damaging. I demand immediate deletion under FCRA, FDCPA, and federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: OH

Complaint narrative:
Creditor : Name : XXXX XXXXXXXX Responsibility : Authorized User I am writing to formally dispute the reporting of an account on my credit report. I am listed as an Authorized User on a XXXX XXXX credit card account, but I am no longer associated with this account. 
Under FCRA 602 ( 15 U.S.C. 1681 ), consumer reporting agencies are required to maintain accurate and fair credit reporting. Since I am not contractually liable for this account and have requested removal as an authorized user, continuing to report this account is inaccurate and misleading.

Additionally, FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute incomplete or inaccurate information in my file. This account is not my obligation, and therefore, I request its immediate removal from my credit profile.

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 2025-08-31 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: OH

Complaint narrative:
Creditor : Name : XXXX XXXXXXXX Responsibility : Authorized User I am writing to formally dispute the reporting of an account on my credit report. I am listed as an Authorized User on a XXXX XXXX credit card account, but I am no longer associated with this account. 
Under FCRA 602 ( 15 U.S.C. 1681 ), consumer reporting agencies are required to maintain accurate and fair credit reporting. Since I am not contractually liable for this account and have requested removal as an authorized user, continuing to report this account is inaccurate and misleading.

Additionally, FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute incomplete or inaccurate information in my file. This account is not my obligation, and therefore, I request its immediate removal from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ) Date of Charge-Off : [ XXXX ] It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt 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
Consumer complaint received 2025-08-31 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: FL

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a clerical error making a payment that was before the due date I use the wrong bank account to make a payment and the payment was returned I didn't get any sort of notification and the next time I used the credit card it was declined I looked on the app to see that it was closed I then called and they told me most likely it was closed due to the returned payment I've never missed a bill with Capital One and always pay my card on time like I said earlier this was a clerical error and I don't understand why it was necessary for them to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit. I do not have a contract with this creditor, I do not recognize or authorize this account. 

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting under FCRA To Whom It May Concern : I am disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

The following account is being misreported : XXXX : XXXX XXXX Account Number : [ Last 4 Digits ] Reported Delinquency Dates : XXXX XX/XX/year> ( XXXX, XXXX, XXXX, XXXX ) This reporting is factually inaccurate and misleading for the following reasons : XXXX. Forbearance Status These loans were in an approved forbearance during the time in question. No payments were due, and therefore late payments should not have been reported. 
XXXX. XXXX Certification The U.S. Department of Education has approved these same periods as qualifying payments under the XXXX XXXX XXXX XXXX ( XXXX  ) program. I have attached a XXXXXXXX XXXX XXXX  Update dated XX/XX/year>, showing these months were certified as qualifying toward XXXX 

Because the information conflicts with official federal forgiveness certification, it is inaccurate under the FCRA. 

I request that you delete the inaccurate late payment history from my credit file immediately. 

Enclosures : XXXX Qualifying Payment Update ( dated XX/XX/year> ) Forbearance approval documentation Copy of ID and proof of address Please reinvestigate and provide me with an updated copy of my credit report once corrections are made. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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:
Re : Formal Dispute of Inaccurate Credit Reporting under FCRA To Whom It May Concern : I am disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

The following account is being misreported : XXXX : XXXX XXXX Account Number : [ Last 4 Digits ] Reported Delinquency Dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This reporting is factually inaccurate and misleading for the following reasons : XXXX. Forbearance Status These loans were in an approved forbearance during the time in question. No payments were due, and therefore late payments should not have been reported. 
XXXX. XXXX Certification The U.S. Department of Education has approved these same periods as qualifying payments under the XXXX XXXX XXXX XXXX ( PSLF ) program. I have attached a PSLF Qualifying Payment Update dated XX/XX/year>, showing these months were certified as qualifying toward PSLF. 

Because the information conflicts with official federal forgiveness certification, it is inaccurate under the FCRA. 

I request that you delete the inaccurate late payment history from my credit file immediately. 

Enclosures : XXXX Qualifying Payment Update ( dated XX/XX/year> ) Forbearance approval documentation Copy of ID and proof of address Please reinvestigate and provide me with an updated copy of my credit report once corrections are made. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: FL

Complaint narrative:
I have been regularly checking my credit reports and scores this year due to pressing needs of me and my family. I have been reaching out to Equifax as of recently regarding items that are fraudulent and I was a victim of Identity theft. thus unlawful to post about me. This has caused me both deep XXXX and high XXXX  which I have been getting treatment for and along with this I recently suffered with an event that has caused XXXX  XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory and fraudulent items being reported about me damaging my character, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Equifax being the predominant Credit Reporting Agency in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Equifax operates then I would imagine that other XXXX  experience the same unfortunate event when they are victims of Identity theft as well. I have researched and talked with others about this and I can not seem to find anything supporting this occurrence. I have reached out to Equifax about this multiple times calling their call center where I can not seem to get reliable help regarding the manner and most times my calls end with their representatives hanging up on me. So please explain the fraudulent accounts and false misleading information on my report and the exact process being used to verify them as I honestly have no clue where this is coming from. they are illegally being reported to begin with and they should be removed as they should per law. I demand Equifax to reinvestigate every item on this letter for completeness and accuracy and remove these accounts from my consumer report ASAP as they do not meet the standards or I will be forced to file litigation against them for furnishing false and inaccurate accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: VA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate credit reporting. Furnishers and credit reporting agencies are required to ensure that any information they report is complete and accurate. Reporting a bankruptcy that does not belong to me, or that is inaccurate in any way, violates this requirement.

I am requesting the CFPBs assistance in ensuring that this inaccurate bankruptcy is properly investigated and removed from my credit file.

Attached are copies of my supporting documentation, including prior dispute letters and responses.

I respectfully request that the CFPB require the credit reporting agencies and any furnishers involved to : Conduct a full investigation into this inaccurate bankruptcy reporting.

Remove the inaccurate bankruptcy entry from my credit report.

Provide written confirmation of the correction.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
This is also tied to another complaint with you XXXX On XXXX, three unauthorized ATM withdrawals were made using my Cash App Visa Debit Card, issued by XXXX XXXX XXXX The transactions were as follows : {$200.00} at XXXX in XXXX, WA {$62.00} at XXXX in XXXX, WA {$9.00} at XXXX in XXXX, WA I live in XXXX, California, and have never been to Washington State. In fact, only 15 minutes before these withdrawals, I made a legitimate purchase at a XXXX in XXXX, CA. It would have been physically impossible for me to be in XXXX. 
I reported the fraud immediately. XXXX XXXX  refunded the {$200.00} charge, acknowledging it was fraudulent, but wrongfully denied the other two charges ( {$62.00} and {$9.00} ), even though they were part of the same fraudulent activity. 
Under the Electronic Fund Transfer Act ( Regulation E, 12 CFR Part 1005 ), consumers are not liable for unauthorized transactions when promptly reported. XXXX XXXX  has failed to comply with Regulation E by denying reimbursement for clearly fraudulent charges. 
Requested Resolution : Full reimbursement of the remaining unauthorized charges ( {$62.00} and {$9.00} ). 
A copy of the evidence used in XXXX XXXX  investigation, as required by law. 
Assurance that XXXX XXXX  will comply with Regulation XXXX protections for consumers. 

* * * * cash app also has denied me access to the store address / location on all of these, as well as a transaction number * * * * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: CA

Complaint narrative:
Subject : Formal Complaint Unauthorized {$1000.00} Transfer from My Cash App Account To Whom It XXXX Concern, My name is XXXX XXXX XXXX Cash App account holder, email : XXXX ). I am filing this complaint regarding a serious and unresolved issue involving Cash App and XXXX XXXX. 

On or about XX/XX/year>, my Cash App account reflected a balance of {$7.00}. Shortly after, an unauthorized transaction of {$1000.00} occurred on my account. I did not authorize this transaction. 

Cash App initially placed a 10-day hold on my account, claiming this would allow them to investigate. However, within only two days, the funds were released and transferred out to another party without my authorization. Despite my repeated attempts to dispute this transaction, Cash App has refused to take responsibility and has not refunded my money. 

Because Cash Apps banking services are issued through XXXX XXXX, I hold both Cash App and XXXX XXXX  responsible for failing to protect my account and funds. This incident raises serious concerns about : 1. Consumer protection Customers should not lose money due to platform negligence.

2. Banking compliance XXXX XXXX, as the financial institution of record, must ensure that disputed and unauthorized transactions are properly investigated. 


3. Unfair practices Promising a 10-day investigation, then allowing the transfer within 2 days, demonstrates misleading and harmful practices.

I am therefore requesting the following actions immediately : A full refund of the stolen {$1000.00} to my Cash App account or linked bank account.

A complete explanation of how this unauthorized transaction was permitted despite the 10-day hold.

Assurance that corrective measures will be taken to prevent this from happening again.

Copies of this letter are being sent to Cash App, XXXX XXXX, the Federal Trade Commission ( FTC ), and the XXXX XXXX XXXX XXXX XXXX ) for review and record. 

I expect a written response and resolution within 14 days. If I do not receive a satisfactory resolution, I will escalate this matter further through additional regulatory and legal channels. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation