vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: NC

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 2025-09-26 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: IL

Complaint narrative:
TransUnion is reporting a XXXX XXXX XXXX credit card tradeline with conflicting and misleading data. On my TU report dated XX/XX/XXXX the account shows Balance {$0.00}, Pay Status Current, Date Paid XX/XX/XXXX, and Last Payment XX/XX/XXXX. However, the payment grid still shows XXXX and XXXX late marks for XXXX XXXX. The grid shows Past Due {$0.00} and Amount Paid {$100.00}, while another field says Payment Received : {$0.00}, and there is no Date Closed even though the balance is {$0.00}. 

I disputed this with TransUnion on XX/XX/XXXX and asked for a complete Method of Verification under FCRA 611 ( who/when/how they verified, copies of XXXX, XXXX XXXX fields relied on, and documents supporting the late marks ). On XX/XX/XXXX TU responded without fixing the contradictions and labeled my dispute as frivolous, without providing a proper MOV. 

These inconsistencies violate the FCRAs requirement to follow reasonable procedures to assure maximum possible accuracy and fail Metro 2 consistency ( Account Status vs. Payment History, Balance, Past Due, Date Closed ). I am requesting that TransUnion remove the XXXX XXXX late codes and report the tradeline accurately as Paid/Closed {$0.00}, or delete the tradeline if the furnisher can not substantiate the late marks with original records. The inaccurate reporting harms my credit standing and could increase my costs or cause denials.

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 2025-09-26 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/year>, I disputed the XXXX XXXX XXXX XXXXe account with Equifax. In XX/XX/year>, the account was deleted from my credit file. However, by XX/XX/year>, the account was reinserted. 
Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) ), a consumer reporting agency must provide the consumer with written notice of any reinsertion within 5 business days. Equifax never provided me with the required reinsertion notice, nor did it supply me with a copy of the furnishers certification of accuracy that it was required to obtain before re-reporting this account. 

On XX/XX/year>, I sent Equifax a formal Method of Verification ( MOV ) demand, clearly marked NOTICE NOT A DISPUTE. In this letter, I specifically requested : 1. The procedure used to verify the XXXX XXXX XXXX account, 2. The full name and contact information of the furnisher, and 3. Copies of the certification of accuracy and all records Equifax relied upon to reinsert and continue reporting the account. 

Instead of complying with this lawful request, Equifax sent me a generic dispute results letter, which ignored my MOV demand and failed to provide any of the documents I requested.

This is clear non-compliance with the FCRA, including : 1. Failure to provide reinsertion notice ( 611 ( a ) ( 5 ) ( B ) ( ii ) ), 2. Failure to provide Method of Verification ( 611 ( a ) ( 7 ) ), and 3. Failure to conduct a reasonable investigation ( 611 ( a ) ) Equifax continues to report an account that is legally unverifiable, despite multiple certified notices and clear statutory obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting my XXXX XXXX XXXX XXXX account incorrectly. They list the furnisher as XXXX and show the account number ending in * XXXX. XXXX  own documents ( attached ) confirm their proper identity as XXXX XXXX XXXX XXXX and list the account number ending in XXXX. I disputed this with Equifax, but they verified it as accurate without correcting the errors. This is inaccurate reporting under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). I request that Equifax either correct the furnisher name and account number to match XXXX  verified records, or delete the tradeline entirely if they can not report it accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I understand the importance Dispute inaccurate items on my credit report. Importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
I am writing to report an issue with a debt collection company that wrongfully seized funds from my joint bank account. My mother, who has an outstanding debt with a hospital, was a joint account holder on my bank account since I was XXXX. Recently, the collections company withdrew {$490.00} from my account, which I rely on to pay my personal bills and living expenses. I am XXXX XXXX XXXX, in college, financially independent, and not responsible for my mothers debt. I believe this seizure was improper, as the funds taken were my personal money, and I am seeking assistance to recover the amount taken and prevent further improper actions against my account. I was not mailed anything regarding this issue and was not ever known to this issue and ending in myself having to owe my own money to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-09-26 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$1900.00} Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$1200.00} Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$3700.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$100.00} Account Name : XXXX  XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$1000.00} Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$740.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-26 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: DE

Complaint narrative:
Im extremely frustrated to see that the inaccurate late payments are still showing on my credit report today, even after refreshing and checking multiple times. This should have been removed already, and its very upsetting to keep seeing it there. I urgently request that the documents Ive submitted be reviewed carefully and that this issue be fully resolved immediately so I no longer have to stress over 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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CT

Complaint narrative:
So the problem im having is that my cashapp account has been suspended for a suspicious transaction on XX/XX/XXXX at XXXX for XXXX dollars to a friend of mine which nothing was suspicious about it i was just paying him back some money i owed him i got an email yesterday asking me for more information about the payment for me to explain who and what it was for i replied 30 minutes after i got the email probably less than that i never got a notification that my account was being suspended so like i normally do i added my paycheck today to transfer it to my bank and send money to the mother of my child for his school pay rent bills etc. i add the money find then come to find out my account was suspended cant even send money or even withdraw to my bank its really frustrating because if my account is suspended why would it let me add money and not withdraw or basically do anything with it I never had problems with my cashapp account for years until today im left with no money because my whole paycheck is in my account and my account frozen support has done nothing for me and its been almost 2 weeks im replying to every email they sent me fast providing the information needed they just keep giving me the same answer no help at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against JPMCB CARD a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
After a month they finally put the XXXX that my church sent to my account how ever when I payed them XXXX on XX/XX/XXXX they sent it back on XX/XX/XXXX. Yesterday XX/XX/XXXX we finally received a statement and they did finally put the XXXX in my account but they said I am missing XXXX well hello XXXX XXXX I sent you that and you decided to give it back to me. So you can now eat it and pay that amount out of your own XXXX  pocket. I took that money and paid a lawyer filed for XXXX  XXXX so XXXX XXXX! Maybe next time dont give back or it could bite you back with a lawyer. Which I will have now gotten another lawyer to sue you people for medical stress and more! 
XXXX XXXX  find my XXXX and put it back where it belongs. 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in 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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: RI

Complaint narrative:
I am writing in response to a collection notice I received regarding an alleged XXXX XXXX debt in the amount of {$630.00}. I do not acknowledge this debt and am formally requesting validation of the debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Almost a month ago I went to One Main Financial in hopes of acquiring a {$12000.00} loan in order to consolidate my credit cards into one payment. {$12000.00} would have been enough and then some, allowing me a little left over to throw towards my auto loan with XXXX for my XXXX XXXX, which is now paid off. 

After sitting at One Main for nearly 3 hours on a Friday evening, they tell me they cant give me {$12000.00}, but they can give me {$25000.00} at 16 % interest if I include my car. Reluctantly, I agreed, with my understanding being that the car would be paid off and the title would be made available to me. That was the language they used, and when I signed the form, I was told the title would be mailed to me. I included GAP coverage and life insurance, should the car get totaled or heaven forbid something happen to me, because I felt that was the smart thing to do. 

Fast forward a couple of weeks and my XXXX XXXX overheats on me, leaving me stranded 20 minutes from home on a Sunday night. Two shops, two diagnostic fees, and two quotes for repairs later, I decided I couldnt justify the cost for repairs when the car was barely worth $ XXXX $ XXXX per XXXX XXXX I decided to pursue the route of trading in the car. 

Before I even started car shopping, I called One Main and explained I had an existing loan with them, the car was collateral and it was giving me problems so I was considering trading it in and I wanted to confirm with them before I went any further whether it would be an issue. They told me it would be no problem at all, happy shopping and enjoy my new car. This phone call took place on Thursday, XX/XX/year> at XXXX and lasted all of XXXX seconds. 

Fast forward to Wednesday, I called One Main again to remove the GAP coverage off the loan because I no longer needed it for a car that I had traded in. At which point, Im informed that I owe them {$22000.00} before they will release the title, which I thought had already been released to me. 

I cant help but feel like the deal was done in bad faith, being that I never even went there asking for them to do anything with the car and I called to get confirmation before I ever even began car shopping that there would be no issues.

One Main seems unwilling to help in any way. Ive called the local branch 3 times as of today, and each time theyve doubled down on there being nothing they can do. I also spoke with a corporate customer service agent, who stated they would be escalating my case but I have not heard anything back. Ive also called the dealer where I got the XXXX to inform them of the situation, but I have not received a call back from them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/2025, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX. Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXXXXXX 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