vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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 dispute the following negative entries on my credit report. I believe these items have been reported inaccurately, and I am requesting a review of the following accounts : 1. Account : XXXX XXXX XXXX ( Reported XX/XX/year> ) o This account is reported as past due with a balance of {$730.00}. I request that you investigate the payment status and verify that the credit limit and balance details are correct. 
2. Account : XXXX ( Reported XX/XX/year> ) o This account has been reported as past due and exceeding the credit limit by {$86.00}. Please confirm the details for this account to ensure accuracy. 
3. Account : XXXX XXXXI ( Reported XX/XX/year> ) o The account shows 96 % utilization. Please review the account 's credit limit and balance to confirm its proper reporting. 
4. Account : XXXX ( Reported XX/XX/year> ) o This account shows a 115 % utilization rate. I kindly request that you verify the credit limit and the account status to ensure correct reporting.

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 2025-11-07 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:
I am filing this complaint because Equifax Information Services LLC failed to properly process and block fraudulent information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B ( 15 U.S.C. 1681c-2 ) and Section 611 ( 15 U.S.C. 1681i ). 

Details : On XX/XX/year>, I mailed a complete identity theft and dispute package to Equifax Credit Services at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
My package included : A completed FTC Identity Theft Report and Affidavit, Proof of identity ( drivers license, Social Security card, utility bill ), A written dispute and reinvestigation letter clearly identifying fraudulent accounts and inquiries ( specifically XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX ), And a notarized statement confirming the information was not authorized by me. 

Despite receiving these materials, Equifax did not block the fraudulent accounts and inquiries within four ( 4 ) business days as required under FCRA 605B. Instead, Equifax sent a letter stating that they would only forward my documents to the creditors for review which is the procedure for a standard dispute, not an identity theft blocking request. 

This response violates my consumer rights under federal law because : I provided a valid FTC Identity Theft Report and proof of identity, meeting all requirements under 605B ( a ).

Equifax failed to block the fraudulent information promptly ( within 4 business days ).

Equifax failed to provide a specific written explanation under 605B ( c ) explaining why they refused to block the information.

The continued presence of these fraudulent accounts and inquiries has caused harm to my credit standing and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 2025-11-07 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: TX

Complaint narrative:
Good afternoon, Due to the government shutdown I havent been able to make payment. I have exhausted the number of times in which I have explained to multiple agents that I have been affected by this government shutdown since Im a federal employee which hasnt received payment from my employer yet. I have explained of my hardship at the moment and it has been explained also that as soon as I receive my paycheck I will provide with payment. My due date for payment was on XX/XX/year>. I have received multiple calls and non stop messages and voicemails it has been very frustrating. It just adds more to our frustration on not been paid. I got this car loan from Global Lending Services through the XXXX XXXX XXXX in hopes of getting a new vehicle at least a newer model and year but instead they sold me a vehicle that has been wrecked and more like a reconstructed vehicle which you can see screws holding the rear bumper and not in the best condition when driving. Since they saw my need for a vehicle at the time I feel like they took advantage of me and also they still asked for down payment even though the promotion at the time said no down payment. Vehicle payment is almost the same amount as if it were a new model.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company
State: ME

Complaint narrative:
I am trying to refinance my home. The loan is currently with Freedom Mortgage FREEDOM MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXXXXXX I called to request a copy of my current mortgage statement. 

They will not provide it. 

Loan # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
This dispute involves the following accounts that are being reported inaccurately by the credit bureaus. I am requesting that these items be investigated for accuracy and removed if they can not be verified according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} This account has been reported inaccurately. I request that this account be investigated and removed if it can not be properly verified. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account has been reported inaccurately. I request that this account be investigated and removed if it can not be properly verified. 

Inquiries : XXXX  Date : XX/XX/XXXX I request an investigation into this inquiry to ensure it was properly authorized and reported. 

Late Payments : XXXX XXXX XXXX Account Number : XXXX I request verification of this late payment entry to ensure its accuracy. If it can not be verified, I request its removal.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 2025-11-07 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: WI

Complaint narrative:
My cash app has been closed due to " violation of service terms '. I have called and messaged in the support chat at least 3x in a week to get a clear answer of why my account was permanently closed. I use cash app to help family here and there .. no large amounts of money... they have not giving me a clear answer and will not open the account back up after appealing it also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
For the past year, I've been able to access my account online with no problems. However, in XX/XX/year> I travelled internationally and after I tried to login into my account, something happened and I can no longer log into my account. I have tried many different means of doing so, all to no avail. I have called their customer service number close to 20 times and every time the technician gives me the same steps to follow, which I do, and none of them allow me to access my account. And when I ask for general questions about my account, eg my account balance or to request to close the account, they say they can not give that to me since they need to verify me, which I am willing to do and have tried to do, but their mobile app isn't allowing me. I have spoken to many many reps and none of them have been able to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
I am disputing the following items on my TransUnion credit report. I believe these items are either inaccurate, incomplete, or unverifiable. Please investigate these accounts and make necessary corrections. 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : XXXX Inquiries : None Positive Accounts : None Late Payments : XXXX XXXX, Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX 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
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
There is information on my report that needs to be removed due to a breach of my information. See the attached document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
There is information on my report that needs to be removed due to a breach of my information. See the attached document.

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 2025-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received a text message from my father telling me that he has been receiving text messages regarding my name the company that is attempting to collect the debt Date XXXX XX/XX/year> Text read : XXXX, pay your XXXX XXXX account at a discount by the end of the month! Call Jefferson Capital Systems, LLC-Debt Collector @ XXXX or www.myjcap.com To optout txt STOP I sent an email to the company requesting them to stop contact immediately as they are breaking the law and told them that I was going to report them which Im currently doing

Company response to consumer: Closed with explanation