vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-17 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:
Statement for TransUnion : I am requesting that TransUnion perform a complete investigation into the accounts below. Some accounts appear incorrectly reported, outdated, or inconsistent with other bureaus. Under the FCRA, any item that can not be fully verified must be deleted to ensure accuracy and fairness. 

Charged-Off Accounts ( TransUnion ) Bankruptcy XXXX XX/XX/XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
b'My identity is being incorrectly flagged by Cash Apps automated system, and every new account I create is closed immediately.\n\nI previously had an older Cash App account that I closed myself after it had issues. Since then, any attempt to create a new account using my real name, SSN, phone number XXXX XXXX), or government ID results in the account instantly being flagged and shut down.\n\nI have never violated Cash Apps Terms of Service, and I have not engaged in any fraudulent or prohibited activity. This appears to be an incorrect automated identity flag tied to my SSN or personal information.\n\nI am requesting:\n\t1.\tA manual identity review\n\t2.\tRemoval of incorrect automated flags linked to my SSN/name\n\t3.\tPermission to reopen my account or create a new account\n\nI am fully willing to provide any ID or verification needed. I have attached screenshots of the automatic closures and copies of my ID for verification.\n\nThank you.\n\nName: XXXX XXXXPhone: XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
In XXXX, I purchased a vehicle that was financed through an auto lender. The vehicle was declared a total loss in XXXX after an accident. My auto insurance company issued a payout of approximately {$1000.00} toward the loan balance, and I was told that my GAP coverage would cover the remaining balance.

However, I am now being billed for a remaining balance of approximately {$5300.00}. I have not received any explanation or documentation showing how this amount was calculated, how the insurance payment was applied, or how the GAP coverage was processed. 

On XX/XX/XXXX, I contacted both the lender and the GAP provider and requested an itemized loan payoff statement, the GAP settlement worksheet, and a detailed breakdown of all calculations involved. I was told that the information would be provided within 57 business days.

As of today, more than seven business days have passed, and neither company has provided the documentation. Without this information, I can not verify whether the remaining balance is accurate or whether the GAP coverage was applied correctly.

I am requesting the CFPBs assistance in requiring both companies to provide the full documentation, verify the accuracy of the remaining balance, and halt any collection activity until the account is properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MA

Complaint narrative:
I disputed several inaccurate accounts that are being reported by the credit bureaus. These accounts contain multiple discrepancies, including inconsistent dates, incorrect balances, wrong past-due amounts, inaccurate charge-off information, conflicting account statuses, and reports of sold/transferred with no documentation to support it.

I formally requested a full investigation and verification under FCRA 609 ( a ) and FCRA 611. I specifically asked each bureau to provide documentation proving the accuracy of the information they are reporting, including the original creditor records, date opened verification, payment history validation, and proof of ownership/assignment if the account was sold or transferred.

Instead of providing any documentation or conducting a reasonable investigation, the bureaus simply responded with automated results and previously verified statements without supplying any evidence. This is not a proper reinvestigation and violates FCRA 611 ( a ) ( 1 ) ( A ), which requires a reasonable investigation and factual verification.

The information being reported is inaccurate, inconsistent across the three bureaus, and remains unverified. Because the bureaus failed to validate the accounts as required by law and did not provide any documentation supporting their reporting, I am requesting CFPB assistance to require the company to either provide proper verification or delete the inaccurate information entirely as required under federal law.

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 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Freedom Mortgage sent me a message today notifying me that they sent an insurance disbursement from my escrow account for {$790.00} to XXXX to pay my condo insurance for the upcoming year : XX/XX/XXXX- XX/XX/XXXX. 

In my previous complaint I stated that I had no intention on using XXXX for my mortgage insurance company for the next calendar year. I already have insurance for XX/XX/XXXX- XX/XX/XXXX, with XXXX and it is paid in full. In addition, my insurance with XXXX for the upcoming year has been cancelled. 

Freedom Mortgage had no right to send my insurance payment to XXXX for the reasons listed below : It is not due until XX/XX/XXXX. 
XXXX is not my insurance company. 

I wrote to XXXX XXXX of Freedom Mortgage instructing her to stop the payment to XXXX. Freedom Mortgage does not have the right to choose my insurance company and should stay in their lane. 

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 2025-11-17 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Debt collector keeps calling with the name of XXXX XXXX demanding that I answer the phone as well as leaving messages for family members looking to obtain location information for myself. Additionally, they call multiple times a day, all hours of the day nights, weekends, exc and are harassing me. They keep mentioning that I am in possession of secured merchandise and are being predatory to try and collect from me without sending any proof that I owe debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: MI

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I received an alert from my credit monitoring service on XX/XX/year> that XXXX has XXXX reporting incorrect monthly payments. I spoke with a XXXX  Representative XXXX on this date and he instructed me to submit a dispute to ALL credit bureaus and they will confirm the noted inaccuracy. 

The specific item I am disputing is the student loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Payment Information Current Amount Due : {$0.00} Monthly Payment Amount : {$310.00} Status : FORBEARANCE This item is inaccurate because the monthly payments are being reported incorrectly. Specifically, the reported payment amount of {$310.00} is incorrect ; the actual payment is {$0.00}. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to have information that is inaccurate be removed. I am requesting that you contact/conduct a reinvestigation of this item and request that XXXX XXXX XXXX XXXX XXXX, verify the accuracy of the information it is providing.

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 2025-11-17 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: NY

Complaint narrative:
I am writing to dispute the following inaccuracies in my credit reports from the three credit bureaus XXXX XXXX XXXX XXXX XXXX, Experian ( EX ), and XXXX XXXX XXXX XXXX The following accounts are under dispute : CHARGED OFF ACCOUNTS Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX - XX/XX/XXXX LATE PAYMENTS Experian ( EX ) : Account Name : 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 2025-11-17 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-17 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-17 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX 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 non-monetary relief
Consumer complaint received 2025-11-17 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 am asking Equifax to investigate the accounts listed below. Many of these items do not match what is being reported byXX/XX/XXXX and XX/XX/XXXX. These inconsistencies raise concerns about accuracy and proper verification. If Equifax can not verify these accounts with original documentation, please remove them as required by FCRA. 

Charged-Off Accounts ( Equifax ) XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-17 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:
I looked at my Experian,XX/XX/XXXXcredit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAC Financial Corp
State: OK

Complaint narrative:
I recently reviewed my credit report and saw two separate collection entries from CAC Financial for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. I have never received any direct notice from this company and I was never told that my personal information would be transferred to them. I do not recall ever signing anything that allows a third party debt collector to access or use my personal information. Because of that I started looking into compliance rules and it made me even more concerned. CAC Financial is reporting two different balances under my name but can not show any form of verified authorization that connects me to them. All I am seeing is a balance placed on my credit file without my permission or knowledge. I do not know who at the original company released my information to CAC Financial or why that happened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 explanation
Consumer complaint received 2025-11-17 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:
Dear Sir/Madam, I am disputing the following accounts that have been inaccurately reported and would like these issues resolved as soon as possible. 

CHARGED OFF : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$970.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} LATE PAYMENT : XXXXXXXX XXXX Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-17 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: MI

Complaint narrative:
There are hard inquiries appearing on my credit report that I did not apply for, I did not authorize

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX I ordered two print outs hard copies to be shipped of family crest, in two different last names. No shipments at all, there response in email XXXX print your copies. To save them money on paper ink and the cost of the shipment they want me to print my own. Scam, Bait and switch. Cost for {$66.00} on my BA America card. 
they have a 30-day return. XXXX XXXX No phone number or fax. No help from BA America, I have no online account, unable to file a scam.

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