vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-15 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: OH

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CO

Complaint narrative:
The late payment noted is an anomaly when compared to my consistent payment record. I respectfully request its removal upon review.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reached out to Equifax about these accounts on my credit report. They havent responded to my letters I sent them. I have enclosed letters showing that my credit was impacted by Equifax data breach. The time period for them to respond has expired and these accounts need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: NH

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts, including XXXX XXXX XXXX account number XXXX opened on XX/XX/year> with a reported balance of {$50.00}, and XXXX XXXX XXXXXXXX account number XXXX opened on XX/XX/year>XXXX  with a reported balance of {$16000.00}, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. I am filing this FTC Identity Theft Affidavit to report 2 fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection account opened at XXXX XXXX XXXX on XX/XX/year>XXXX  under account number XXXX for {$50.00}, and a collection account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/year>XXXX  under account number XXXX for {$16000.00}. These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that these fraudulent items be removed from each of my consumer credit reports and that all collection activity related to them cease pursuant to my rights under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: MI

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 2025-08-15 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. T
his fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The fraudulent inquiries are affecting my ability to obtain credit. Please delete the following accounts. I filed an FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
The fraudulent inquiries are affecting my ability to obtain credit. Please delete the following accounts. I filed an FTC report

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 2025-08-15 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: MI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting you regarding the repossession account listed below, which has now been paid in full/settled in full : Account Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX I appreciate that this obligation has now been satisfied in full. However, the continued reporting of this repossession on my credit report is having a severe negative impact on my financial stability, even though the account is no longer owed. 



Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), Congress recognizes that inaccurate or unnecessary negative reporting can damage a consumers ability to secure fair credit. Although the account is marked as paid, the repossession status remains harmful and does not reflect my current creditworthiness.

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 2025-08-15 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:
I recently reviewed my credit report and discovered several accounts and entries that I believe are inaccurate, incomplete, or unverifiable. These include multiple collection accounts, charge-offs, and late payment notations that contain conflicting information regarding dates, balances, and account statuses. The discrepancies appear across different reporting agencies, indicating that the data is not being reported with maximum possible accuracy. Since the initial reporting dates, I have not received any proper validation or documentation from the companies involved to prove the legitimacy or accuracy of these items. I have previously disputed these accounts, but the responses either failed to include original creditor documentation or did not address the inconsistencies. This continued reporting of questionable information is negatively impacting my credit profile and financial opportunities.

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 2025-08-15 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
A collection account reported by Harris & Harris LTD contains multiple inaccuracies, omissions, and potentially unlawful indicators. These include : A closed account with a one-month term showing four months of missed payments ( XXXX XXXX  ) No available information on the original creditor, monthly payment, last payment date, or highest balance A balance of {$360.00} marked as Seriously past due/ assigned to attorney or collection agency No remarks or supporting documentation provided No debt validation notice received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Dave Operating, LLC
State: NC

Complaint narrative:
On XX/XX/year>, I contacted Dave Operating LLC ( Dave ) to revoke authorization for an upcoming ACH debit to my account, as is my right under Regulation E ( 12 CFR 1005.10 ( c ) ). This law allows consumers to stop payment of any preauthorized electronic fund transfer, including one-time scheduled ACH debits, by notifying the financial institution at least three business days before the scheduled date. 

I explicitly stated in writing that I was revoking ACH authorization effective immediately for all debits by this company or their affiliates. I also clearly stated that I acknowledge the balance due and fully intend to pay it at a later date, but that I am exercising my right as a consumer to choose the timing and method of payment. 

The representative incorrectly claimed that the transaction was a single authorized transfer and therefore not subject to cancellation. This is a misrepresentation of federal law. Regulation E does not exempt single scheduled debits from revocation rights.

I provided the exact citation of the law during the chat. Despite this, the company refused to confirm compliance, ended the chat without resolution, and attempted to override my statutory rights by citing their own settlement terms. 

I am requesting the CFPB ensure this company : 1. Honors my revocation of ACH authorization.

2. Confirms in writing that no further ACH debits will be processed to my account by them or their affiliates.

3. Is reminded that company policy can not override consumer rights under federal law. 



Evidence : I have attached Screenshots of my chat showing my revocation notice, their refusal, my citation of the law, and their chat closure without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested my rental history ( eviction ) consumer report from transunion and the third party company XXXX that transunion utilize when providing rental history information

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 2025-08-15 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 hereby dispute the legitimacy of specific accounts listed on my credit report, as I have reason to believe they were fraudulently established. I request a complete investigation and their immediate removal. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was under a repayment plan with my mortgage company, Wells Fargo, and I missed a payment for the month of XXXX. On XX/XX/year>, my repayment plan was deactivated. On that same day, I received a text message from an individual by the name of XXXX XXXX. He claimed to be a foreclosure consultant with Wells Fargo. His text message stated that my home was going into immediate foreclosure on this day was set to be listed for active foreclosure and listed for short sale within the next few days at XXXX at my local courthouse. To stop my house from being listed, he told me I had to pay {$2000.00} and that would immediately reactivate my repayment plan and get my house out of foreclosure. I sent him the payment via XXXX XXXX XXXX using a barcode he stated that was specifically for Wells Fargo. When I followed up with Wells Fargo a few days later they informed that they did not receive this payment and they would not accept payment in that way. When I followed up with XXXX and XXXX XXXX, I learned that uploaded money to this individual 's XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: MI

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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MO

Complaint narrative:
Hello XXXX, Were sorry to inform you that weve deactivated your account. Based on the information you provided about your business, were not able to support your business needs right now. You wont be able to continue processing payments with Square. Unfortunately, this decision is final. 
What happens to my account balance? 
Any funds currently in your account balance will be held for a period of 90 days and released to you on XX/XX/year>. Theyll be available in your bank account within 2 business days. Every banks policies are different, but funds are typically shown in your bank account 1 business day after theyve been deposited. Youll receive an email as soon as weve sent your funds to your bank. 
The release date and amount available for release are subject to change if you receive additional chargebacks after this notice. If you receive chargebacks on payments unrelated to these funds, there will be additional debits from your bank account. 
Ive received payments in the past few days that havent been deposited yet. What happens to them? 
We recommend that you refund any payments back to the original payment card and ask your customer to pay you by another method ( like cash or check ). If they paid via bank transfer, your customer should initiate a return with their bank. 
Youll be able to issue refunds within 120 days of the original payment date and the full payment amount will be returned to your customer. Learn more about issuing refunds here. 
You can learn more about our policies in the Square Payment Terms. 
Sincerely, The Square XXXX XXXX

Company response to consumer: Closed with explanation