vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: FL

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 you have 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 2025-10-22 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: TX

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 2025-10-22 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: OK

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I hereby formally dispute any unsubstantiated or inaccurately documented information on my credit report in compliance with the FCRA and Metro 2 reporting standards. Allegations lacking factual proof, particularly those of delinquency and derogatory nature, are contested per legal mandates for precise reporting. It is imperative that claims adhere to the law and regulations. I kindly request verifiable evidence supporting the account 's validity and its permissible use. Should these criteria not be met, I request the removal of said information from my report and authorize the mailing of physical documentation regarding your actions and my updated credit report. Your cooperation is appreciated. 

CAPIO PARTNERS LLC - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Under 15 USC 1692C you violated my right with unlawful communications. please remove this collection from my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
In XX/XX/XXXX, I attempted to pay several legitimate business expenses using my M & T Bank business debit card. The transactions were unexpectedly declined. I contacted M & T Bank and was transferred to the XXXX Department. The representatives were unable to send verification codes to either my business or personal phone lines, so they verified my identity through other means. 

After multiple long hold times XXXX lasting approximately XXXX minutes a representative attempted an override and instructed me to retry the transaction, but it was again declined. Shortly after, I was informed that my business account had been locked and placed under review. I was told I would need to visit a branch in person to have it unlocked, otherwise the process could take XXXX business days. 

Following that call, I discovered that both my business and personal online banking logins were also locked without any prior fraud alerts, text messages, or email notifications. I went to an ATM and was able to make a deposit, but withdrawals were denied. 

I personally visited my local branch on XX/XX/XXXX, and XXXX, XXXX, seeking assistance. Despite multiple visits and calls, no one has been able to provide an explanation or resolution. My local branch representatives, XXXX XXXX and XXXX XXXX, have been extremely professional and are doing their best to assist, but they informed me that XXXX & XXXX back office and fraud department have been unresponsive and unable to tell themor mewhy the account remains frozen or under review. 

This situation has left my business funds inaccessible, causing major disruption to payroll, vendor payments, and tax obligations during a critical fourth-quarter period. I have not received any written or electronic correspondence from M & T explaining the reason for this account hold or its ongoing investigation.

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 2025-10-22 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: IL

Complaint narrative:
Dear Equifax 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 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 2025-10-22 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: TX

Complaint narrative:
On XX/XX/25, I made a {$20.00} purchase using cash app, but the app froze and I was charged twice. I spoke with the merchant, but they only received one payment. However, I'm still charged twice by cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Subject : Dispute of Information Under Section 605B Dear Equifax 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 : XXXXXXXX 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 2025-10-22 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: SC

Complaint narrative:
Dear Experian 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 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 2025-10-22 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: NJ

Complaint narrative:
I want to emphasize that this complaint is not made in error. My credit report contains inaccuracies that do not reflect the highest level of accuracy required under the Fair Credit Reporting Act ( FCRA ). These errors have been weighing heavily on me and are continuing to affect me negatively. These are difficult times, and it would truly be a great help even a blessing if these inaccuracies were properly corrected or removed.

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 2025-10-22 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: SC

Complaint narrative:
I have encountered difficulties accessing my Equifaxaccount 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 non-monetary relief
Consumer complaint received 2025-10-22 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: AZ

Complaint narrative:
My husband bought a car, my credit was only to be run if I was on the loan. I was not on the loan, but the inquiry was made. I was told it was an error and would be removed. This was a terrible inconvenience, and has taken us well over a year to fix.

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 2025-10-22 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My husband bought a car, my credit was only to be run if I was on the loan. I was not on the loan, but the inquiry was made. I was told it was an error and would be removed. This was a terrible inconvenience, and has taken us well over a year to fix.

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 2025-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I was in bankruptcy for almost XXXX years. The bankruptcy court allowed me to keep the mortgage OUT of the bankruptcy and the court ordered Wells Fargo to treat the account as a regular account and not as a bankruptcy account. 

Wells Fargo complied with this order for the first XXXX years of the bankruptcy. But, without any notice, they started treating it as a bankruptcy account, which included no longer reporting my payments to the three credit bureaus. This caused my credit score to plummet!!! I have fought with Wells Fargo for the last XXXX years over this and 2/3s of their customer service agents were not very friendly with me at all. 

Now, I have been out of bankruptcy since XX/XX/year>. Every month since then, I have had to call and complain about my account still being treated as if it is still in bankruptcy, including failing to report my payment. Just last month, XXXX MONTHS AFTER the bankruptcy was discharged, they finally decided to convert my account to a regular account. Yet, they are STILL refusing to report my payment history over the life of the current mortgage and the previous mortgage.

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 2025-10-22 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:
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 ] Account Number : [ XXXXXXXX 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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Truist Bank closed my checking account shortly after I deposited a check from my insurance claim. The check was legitimate and issued directly by my insurance company. I made the deposit through my regular Truist account, and a few days later, I received notice that the account was being closed without a clear explanation. 

When I contacted customer service, I was told that the decision was made by the risk or fraud department, but no one would provide specific details. The check was not fraudulent, and I verified with my insurance provider that the funds cleared successfully. Truists action has caused me unnecessary hardship because I have bills and obligations connected to this account. 

I have not received a written notice explaining the reason for closure or whether this has been reported to XXXX  or XXXX XXXX XXXX 



Steps Ive taken : Contacted Truists customer service and risk department for clarification. 
Confirmed with my insurance company that the check was valid and cleared. 
Requested written notice from Truist but have not received a response.

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 2025-10-22 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:
Dear Experian 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 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 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 XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX - XX/XX/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 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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Someone braided my account for {$990.00}. I went into a Bank of America. They told me to call the fraud dept. I did. They removed the charge and then later put it back on.

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 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
b'Voicemail transcript :\nNamed address therefore your case has been red flagged and escalated into my department report to the office immediately at XXXX XXXX Reference case number XXXX failing to communicate with the issuing firm a result in vital information about your case to be missed and proceeding to take place without your knowledge thank you and consider yourself notified. \n\nCall notes: \nPerson threatened me to put a lien on my house. He said I owed a debt to Bank of America from XXXX. I told him I did not have a account from BOA  during that time.  I asked for letter to be sent to dispute. Agent refused and hung up after threatening me again to put a lien on my house.'

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 2025-10-22 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: Self Financial Inc.
State: NY

Complaint narrative:
A late payment continues to be reported to XXXX XXXX and XXXX  when I have zero late payments showing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I just received a direct deposit from my job weekly per usual they closed my account did not give me a real reason and marked my account for fraud! They refuse to give my money i need for bills talking about in two months they are witholding funds!

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 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: WI

Complaint narrative:
Company charged a late fee, even though their website said an amount equal to a full payment had been received. The payment history being provided ( from servicer website ) shows a {$1500.00} payment being made on XX/XX/XXXX, then ANOTHER payment of {$1500.00} being paid on XX/XX/XXXX. Any reasonable person looking at the servicer website would believe that enough money was paid PRIOR XX/XX/XXXX for the full XXXX payment of {$1500.00} to be satisfied. 

I was told that the SECOND {$1500.00} payment 'was n't really a payment ' and was just them applying the funds elsewhere. This is deceptive, because I look at the transaction history and would never think I didn't pay enough on time..

Company response to consumer: Closed with explanation