vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-29 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: PA

Complaint narrative:
I previously disputed multiple inaccurate and unverifiable accounts with TransUnion in writing. TransUnion has already deleted several items, which proves that some of the information being reported was inaccurate. However, several other accounts remain on my report without proper verification or supporting documentation from the furnishers. 

This incomplete reinvestigation violates my rights under FCRA 611 and shows inconsistency with the results from the other credit bureaus. I provided full written disputes, but TransUnion verified items without identifying how or by whom they were verified. 
I have attached my original dispute letters, TransUnions responses, and updated reports showing which accounts were deleted and which remain. I am requesting deletion of all remaining unverifiable accounts and written proof of the verification method used for each item

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 2025-10-29 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: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I tried to make a purchase with my card and it got declined, then I decided to login into my banking app to see if I was charged and the app said online banking is not available to me at this time. 
I called the number that was displayed on my screen and they wanted to authenticate me, but they couldnt authenticate me with both the numbers I have on file for some reasons best known to them and they are requesting I go into a branch. Im XXXX and theres no branch near where I am which I clearly explained to every representative I have come in contact with, but none of them seem to care. My account is still not accessible and my card does not work and Im left with no option.

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 2025-10-29 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: MA

Complaint narrative:
I am writing to formally dispute the accuracy of the following entries on my credit report as of XX/XX/XXXX. This notice is pursuant to the Fair Credit Reporting Act ( FCRA 602, 607 ( b ), 611 ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), Uniform Commercial Code ( UCC 1-308 ), and Metro 2 Compliance Standards. Additionally, due to the XXXX TransUnion Data Breach, I demand elevated scrutiny to prevent ongoing identity theft or misinformation. 
Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX Account # XXXX Late payments reported in XX/XX/XXXX and XX/XX/XXXX. Inconsistent payment history vs. account status. 
Violations : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), Metro 2 2.3 2. XXXX XXXX XXXX Account # XXXX 30, 60, and 90-day lates from XXXX to XX/XX/XXXX. Account marked dispute resolved yet derogatory data remains. 
Violations : FCRA 607 ( b ), 611 ( a ) ( 5 ) ( A ), Saunders v. BB & T, Metro 2 2.3 3. XXXX  XXXX Account # XXXX Reported 120-day late after {$0.00} balance and closure. Dispute flag improperly retained. 
Violations : FCRA 607 ( b ), 611 ( a ) ( 5 ) ( A ), Cushman v. TransUnion, Metro 2 2.3

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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NV

Complaint narrative:
I filed a previous complaint with CFPB ( # XXXX ) after contacting Cashapp directly several times. On the last day of the 40 day response period I receive an email saying that my complaint has been closed out. They provided a letter stating they have contacted me via email and THAT IS UNTRUE. I have not receive any correspondence from Cashapp since my original contact with them on XX/XX/25. They did not provide a time frame for my issue to be resolved which is why I reported to CFPB. Please refill a complaint to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Closed account because was receiving continuous overdraft and unauthorized payments to companies even when requesting and changing account numbers.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of 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 non-monetary relief
Consumer complaint received 2025-10-29 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: LA

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. 
Accounts in Question : XXXX XXXX XXXX XX/XX/XXXX XXXX. {$5000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX. {$2300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX. {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX. {$2100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX. {$3800.00}

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 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I dispute the 5/3 BANK NA account ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) because the high balance amount, last verified date, and date of last activity are inconsistent and conflicting across the XXXX nationwide credit reporting agencies XXXX XXXX XXXX XXXX XXXX I have disputed this item multiple times. Neither XXXX XXXX and XXXX  have corrected or deleted the inaccurate information. I have requested reinvestigation and documentation from all three bureaus and notified the furnisher to investigate under 1681s-2 ( b ). I request the CFPB investigate whether the bureaus and furnisher complied with the FCRA and order deletion of any information that can not be verified, and provide remedies for FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MD

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts, and their presence on my credit report is completely unacceptable. This inaccurate and misleading information severely misrepresents my financial history and integrity. I take my credit profile extremely seriously, and these unauthorized accounts have caused significant concern and distress.

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 2025-10-29 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-29 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital one secure card was cancelled before it was activated I submitted XXXX dollars that was suppose to be returned to me by check at my address it never arrived I called XXXX times supposedly on a recorded line and was given different information .very unprofessional and I just want my refund back asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: OK

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: OK

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-29 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Claim Nr. : XXXX for {$700.00} Claim Nr. : XXXX for {$750.00} Claim Nr. :? for {$1100.00} Claim Nr. : XXXX for {$270.00} I am submitting this complaint to formally report a case of financial fraud and the failure of U.S. Bank to provide appropriate support or resolution. 

In XX/XX/year>, I purchased an XXXX scanning device via XXXX. The seller provided a XXXX ID and business address, which appeared legitimate. After I paid for the device and shipping, I received a tracking number. Shortly thereafter, I was asked to pay customs duties and then a certificate fee. These demands raised suspicions, and I ceased further payments. 

Upon investigation, I discovered that the shipping company was fraudulent. Its tracking number was not recognized by any major carrier databases, and its website appeared newly created and suspicious. When I requested a refund from the seller, they stopped responding. 

I contacted U.S. Bank to request assistance in recovering the funds, but my request was denied without explanation. This lack of transparency and support is unacceptable, especially given the clear signs of 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 2025-10-29 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Client Services, Inc.
State: IL

Complaint narrative:
On XX/XX/year> and XX/XX/year>, I began receiving unsolicited text messages from a company identifying itself as Client Services , Inc. claiming to be a debt collector for a XXXX Bank XXXX XXXX account. The messages contained a phone number ( XXXX ) and a link to a third-party payment website XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

I do not have an active or verified account with XXXX Bank or XXXX XXXX linked to this company. I did not receive any prior written notice or verification of the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ) before being contacted via text message. 

I replied STOP to opt out, and the company confirmed I would no longer receive messages. However, I am concerned this communication may constitute a violation of the FDCPA ( unsolicited debt collection texts without prior notice, unclear verification of the debt, and possible third-party data exposure ). 

I request that the CFPB review this communication and confirm whether the collection activity was legitimate and compliant with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
after informing XXXX XXXX of XXXX report... I reciever documention in email, showing my date date XX/XX/XXXX, not XX/XX/XXXX or any other date they put on my credit reports to rage the account.

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 2025-10-29 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXXXXXX XXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/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