vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
I am disputing inaccurate personal information on my Equifax credit report. The report incorrectly lists previous addresses, including XXXX XXXX XXXX XXXX XXXX, PA XXXX, whereas my only and current address is XXXX XXXX XXXX, XXXX, PA XXXX. Equifax also reports my employers as XXXX XXXX XXXX XXXX XXXX XXXX, the latter of which is incorrectI have never worked for XXXX XXXX XXXX XXXX. 

Under the FCRA, specifically 15 U.S.C. 1681e ( b ), Equifax must maintain reasonable procedures to ensure the accuracy of information in consumer reports. Reporting inaccurate addresses and false employer history undermines the accuracy of my credit file, may lead to wrongful credit decisions, and increases my exposure to errors or identity confusion.

These discrepancies are not only misleading but harmful to my credit profile and may affect my ability to obtain credit on fair terms. The inaccurate employer information could also have negative implications if used for employment verifications or background checks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I went through cash app and I tried to open an account and every time I verify myself they automatically blocked my account I don't know why this is going on I haven't done anything wrong I've made numerous accounts and I have money inside of the accounts maybe my nickname may be different because you're allowed to create a nickname but I always put my first name and my last name has changed due to marriage three times that's the only thing I can see other than that I don't see why they keep closing my accounts out and then why won't they connect the accounts when I did have an active account and give me my money from the other accounts plus they let my account get hacked and someone stole my money out of my account and they won't pay me my money so I'm not sure what's going on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: DE

Complaint narrative:
I have repeatedly disputed the reporting of a bankruptcy on my credit report that LexisNexis continues to supply to XXXX  and XXXX. I contacted the court directly and received written confirmation that they do not report or verify this information to third-party data furnishers. LexisNexis has never provided me with proof of verification, and I have never authorized them to collect or distribute my public records. This issue has been ongoing since 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNT : Account Name : XXXX # XXXXXXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/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 non-monetary relief
Consumer complaint received 2025-06-18 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:
TransUnion is currently reporting XXXX closed accounts that inaccurately reflect past late payments on my credit file, despite both accounts being fully paid and carrying a {$0.00} balance. These include an account with XXXX XXXXXXXX ( account ending in XXXX XXXX XXXX XXXX XXXX ), dated XX/XX/XXXX, and an account with XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ), dated XX/XX/XXXX. Both accounts are listed as closed or paid with XXXX balances, yet they still reflect derogatory late payment histories that are now outdated and no longer reflective of my current financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( b ), TransUnion has a legal obligation to ensure that all information on a consumers credit report is accurate and up to date. Continuing to report late payments on accounts that have since been closed and paid in full misrepresents my credit behavior and unjustly penalizes my credit score. These outdated late notations also contradict the current status of the accounts, which indicate that no balance is owed and no payment is past due. Additionally, there is no evidence that TransUnion has re-verified the accuracy or necessity of continuing to reflect these late marks, especially after account closure and full resolution. 

The presence of these closed late payment notations is materially harmful. They paint an incomplete picture of my creditworthiness, contribute to credit denials, and undermine my ability to secure financing despite having responsibly resolved these accounts. A closed, fully paid account should not continue to carry the weight of derogatory remarks that no longer serve a fair or necessary reporting functionespecially when the original creditor is no longer pursuing any balance or collection activity.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-06-18 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

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 explanation
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
These entries were not authorized by me and should be promptly removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information contained in consumer reports. Additionally, per 15 U.S.C. 1681i ( 5 ) ( A ), if disputed information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, it must be promptly deleted or modified accordingly. 
The following inquiries were not authorized and should be removed immediately : 1. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX  XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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 entries were not authorized by me and should be promptly removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information contained in consumer reports. Additionally, per 15 U.S.C. 1681i ( 5 ) ( A ), if disputed information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, it must be promptly deleted or modified accordingly. 
The following inquiries were not authorized and should be removed immediately : 1. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX  XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
Im contacting you regarding an account that appears on my credit report, which was opened without my knowledge or consent. This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not open this account, I have no affiliation with it, and I have never authorized anyone to open it on my behalf.

This is identity fraud, plain and simple. Im requesting that you remove this fraudulent account from my credit report immediately. It is misrepresenting my credit history and potentially damaging my financial standing.

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 2025-06-18 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: AR

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
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

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 2025-06-18 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: NC

Complaint narrative:
I sent letters out to each of the credit bureaus and requested my free credit report to evaluate my credit standing and havent gotten any response!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent letters out to each of the credit bureaus and requested my free credit report to evaluate my credit standing and havent gotten any 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$740.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$630.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$920.00} ; XXXX XX/XX/year>. 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was exposed in a data breach. I reached out to XXXX and provided my FTC report as well as my ID. Under section 605, B I had a demand that all fraudulent accounts that have been reported be removed immediately within four days. I have attached my FTC report my ID in my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the Wells Fargo {$320.00} new checking customer bonus promotion. I opened an XXXX XXXX  account through the promotional website as a new customer and fulfilled all the terms required to qualify.

Initially, I mistakenly opened the account through my existing mortgage login, unaware that using the correct promotional link was required. On that same day, I contacted Wells Fargo. A representative acknowledged the issue, immediately closed that account, and advised me to open a new one through the correct promotional site to ensure eligibility. 

Following her guidance, I opened a new XXXX XXXX account on XX/XX/XXXX, through the official promotion link. This account remains active and is the XXXX under which I fulfilled the promotional requirements. I maintained a minimum balance of {$5500.00} and received qualifying direct deposits totaling over {$2600.00} per month within the first XXXX  days. 

Despite meeting all requirements, I have not received the {$320.00} bonus. I spoke with Wells Fargo Customer Service, and the issue was then escalated. On XX/XX/XXXX, at XXXXXXXX XXXX., a representative from the Escalation Department informed me that I was ineligible, citing the initial account openingwithout acknowledging that the original account was closed the same day under the direction of a Wells Fargo representative to comply with the promotion. I also contacted the Corporate Office, but the matter remains unresolved.

Case Number : XXXX This experience has been both frustrating and disappointing. I am respectfully requesting a prompt review of my account and the issuance of the {$320.00} bonus in accordance with the original promotion terms. 

Please contact me if additional information is needed. Thank you for your 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: AR

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: KS

Complaint narrative:
I had 3 overdraft fees in the morning. Called them twice and both times they said if I deposit a specific amount they would remove the 3 fees. ( Called a second time just to be safe and audio recorded both phone calls. ) So I put the money in waited XXXX hours and they didnt remove the fees. Called them back and they said they can only remove 1 fee. 

I have 2 calls recorded where they say they would remove the fees and the 1 where they said they wouldnt. But cant upload the file.

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 monetary relief