vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several in accuracy on my credit report that is still reporting as a derogatory account that needs attention

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
There are several in accuracy on my credit report that is still reporting as a derogatory account that needs attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: NC

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XX/XX/year> I had a XXXX  XXXX  publishing XXXX  to help me XXXX  and sell my published XXXX  with XXXX, their team signed the contract for service but later did not deliver the XXXX  service and asked me write different or XXXX XXXX and XXXX later revoked my access to my account. so I canceled their service and asked for refund but they did not comply Email : XXXX publishing ceo rebilled my chase credit card for XXXX XXXX  on XX/XX/year>, I asked chase and disputed the unauthorized rebill to account but they are unwilling to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

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 2025-08-01 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: NJ

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 non-monetary relief
Consumer complaint received 2025-08-01 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: NJ

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
A merchant quickly voided a transaction after XXXX minutes of the original purchase. I decided to pay cash as they had a discount. They told me it should take no longer than XXXX or XXXX business days on their end. They confirmed with me through documents and emails that the funds are fully released on their end and that they have no hold on my funds. I contacted customer service for cash app ( Block , Inc ). And received almost the same response over and over again. It was unhelpful and they refuse to even try to help for 30 days. I even showed them proof of the merchant having a successful void on my card and that they had no pending transactions against my card. Still no help. I'm not even sure if I talked to a real person at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/year> at XXXX XXXX I was alerted to possible fraud from Huntington Bank. I answered no that I had not authorized the charge and then my card was locked until XXXX. I called the number given to call XXXX and I explained to the woman that I had not made the charge and also explained that any charges made online require my fingerprint through my XXXX XXXX fraud prevention plan, she then reversed the charge and I requested the new card have a speedy delivery for XXXX bit when I received the new card yesterday I was unable to put a new code on it, then I was alerted that the fraudulent charge had been taken out of my account, so I called and was told that I never disputed the charge.. I gave proof that I did then was left on hold for a hour and it took 2 hours for someone to allow me to activate the new card .. the woman I spoke to tried talking me out of making this complaint and finally around XXXX XXXX  the fraudulent amount that was deducted from my account was put back in my account. 
For this reason I think the fraud division of Huntington Bank is compromised. I have audio but it too large to load.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against both XXXX XXXX  and XXXX  XXXX for inaccurately reporting a discharged debt on my credit report. 

On XX/XX/2016, a non-filer protection letter was sent to the bankruptcy attorney representing the primary account holder, XXXX XXXX XXXX, confirming that I was a co-debtor on the account in question. This debt was fully paid through a XXXX  XXXX bankruptcy plan, and the case was XXXX. 

Despite this, the account is still being reported under my name, with a balance that is inaccurate and legally not my responsibility, as the debt was paid in full. There is no remaining balance, and under the Fair Credit Reporting Act ( FCRA ), this account should have been removed from my credit report. 

I have contacted the company to request removal. However, no corrective action has been taken. I am now formally requesting that this inaccurate reporting be corrected immediately. If this matter is not resolved promptly, I will pursue legal action for continued noncompliance and damage to my credit profile. 

This inaccurate reporting is causing financial harm and misrepresents my creditworthiness to potential lenders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-01 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: PA

Complaint narrative:
I settled the XXXX  XXXX account through XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) for {$3300.00} and have been making $ 30 monthly payments as agreed. Despite this, Equifax continues to report the full balance of {$3900.00} as unpaid. This is inaccurate and misleading. I have provided court documents and payment proof, and Ive already filed a dispute with Equifax, but the issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
These inquiries were not anticipated or sanctioned. Promptly review the related documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: NEW YORK COMMUNITY BANCORP INC
State: TN

Complaint narrative:
In XX/XX/XXXX, I sold my home, which was financed through XXXX XXXX. After the mortgage was paid off, a surplus of {$4200.00} remained on my account and was owed back to me. 

XXXX initially issued a refund check in XX/XX/XXXX, but they did not follow closing procedures and mailed it to my old address even though the property had been sold and I no longer lived there. I did not recieve that check until XXXX, and by that time it already had a stop payment on it. 

After repeated attempts to contact them, I emailed them again on XX/XX/XXXX, to request a new check. After more back-and-forth emails, XXXX claimed they reissued another check on XX/XX/XXXX, but again sent it to the wrong address without ever asking me to verify my current mailing address. 

They then informed me I would have to wait 30 days before requesting another reissue. After that period passed and I did not have the check, I followed up once more. At that point they stopped responding. I emailed multiple times and they finally came back and told me they sent another one. One week later, I was told I needed to sign an Indemnity Agreement before they would send it. I signed that form and had it notarized that day, and returned to them. Two weeks later, I got another email saying we had to fill out another form and have it notarized. We did that the same day and sent it back. They have since stopped responding to my emails asking for updates. 

As of XX/XX/XXXX, I am still waiting for the {$4200.00} owed to me. This issue has dragged on for a year due to Flagstars repeated missteps, including sending checks to the wrong address, failing to confirm my contact information, placing a stop payment on a check before it was delivered, and failing to respond in a timely and reasonable manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CA

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 non-monetary relief
Consumer complaint received 2025-08-01 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: GA

Complaint narrative:
I am an unemployment recipient in the state of XXXX. My benefits are deposited into a Way2Go card issued by Conduent. For several weeks, I have been trying to transfer funds from this prepaid card to my personal bank account, but I have been unable to do so due to vague and inconsistent responses from customer service. 

I have made multiple calls, spent hours on hold ( including over an hour waiting for a supervisor ), and have received no resolution. The funds in question are essential for paying bills and covering basic living expenses. Ive verified my identity and account multiple times, yet they continue to delay or deny the transfer without explanation. 

Examples of issues with Conduent  They have locked my card several times even though they have my Passport on file. 
They give different answers for what the issue is. 
Last XXXX  a supervisor by the name of XXXX gave me an email address where to send my XXXX XXXX once again, along with my bank statement and told me the transfer of money would take XXXX  days. An email was received saying they were working on it. 

Today an agent by the name of XXXX or XXXX, said he didnt see anything from XXXX. Transferred me to a supervisor line where I waited an hour with no response. 

Called back spoke to XXXX who did see the information about XXXX  but said they denied the transfer on the XXXX because I didnt submit documents. When I clarified I did she then said well information doesnt match. I clarified it did she said XXXX XXXX was not a valid document even though their supervisor said it was. I am currently on XXXX minutes wait once again for a supervisor. 


The lack of transparency, failure to provide clear timelines, and inability to escalate the issue is unacceptable. I am requesting that Conduent  immediately release my funds and provide a consistent method for transferring unemployment benefits to personal bank accounts. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation