vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: CA

Complaint narrative:
Ive been having serious issues with Direct Express, and I need someone to help me get this resolved. There was a fraud alert on my account, and Ive been trying to get my ID verified so I can receive a new debit card. They told me to send an email with my ID and birth certificate for verification, which I did on XX/XX/XXXX. 

On XX/XX/XXXX, they responded saying there were no attachments. Thats not true. I checked the email myself and the documents were clearly attached. I resent the email on XX/XX/XXXX and again on XX/XX/XXXX, but I still havent heard anything back. 

I called customer service on XX/XX/XXXX. They claimed an email had been sent XXXX weeks prior, but I never received it. The representative refused to tell me what the email said. She was rude, and when I asked to speak with a XXXX, she told me there was no one available. After pressing her, she finally said my ID verification was denied because the ID was expired. Thats a lie. I received my new ID in the mail last month, took a photo of it, and attached it to the email. I checked the sent email it clearly shows the new ID. 

I never received any denial notice. The representative told me to send another email, which I did on XX/XX/XXXX, expressing my disappointment and frustration. She said it would take another XXXX days to get a response. Thats unacceptable. 

Right now, XXXX locked out of my own account where my Social Security check is deposited. Direct Express is refusing to help, and their customer service has been completely unresponsive and dismissive. XXXX  done everything they asked, and XXXX still being denied access to my own funds. This needs to be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: AZ

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AZ

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : 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 UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-12 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: PA

Complaint narrative:
I am disputing late payment information reported by XXXX XXXX XXXX XXXX TransUnion. 

Under 15 U.S.C. 1666b, a creditor may not treat a payment as late unless the periodic statement was delivered to the consumer at least XXXX days before the payment due date. XXXX has not provided any evidence proving that these statements were sent on time or that they contained all the information required by 15 U.S.C. 1637 ( b ).

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 7 ), any financial institution that furnishes negative information to a credit reporting agency must notify the consumer in writing within XXXX  days of doing so. I never received any such written notification from XXXX XXXX XXXX. 

This account is being disputed for lack of verification and failure to comply with statutory notice and reporting requirements. I have already sent a formal verification request directly to the furnisher, and no documentation has been provided. 

I request that the CFPB require XXXX XXXX XXXX and TransUnion to provide verifiable documentation supporting the accuracy of the alleged late payment entries or, if they can not, to delete this information from my TransUnion credit report immediately.

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 2025-11-12 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:
I am submitting to dispute multiple inaccuracies on my credit report that I believe have resulted from clerical or reporting errors. Upon reviewing my credit report, I found several charge-offs, collections, and an inquiry that need to be investigated and corrected. Below, I have outlined the specific accounts and inquiries I am disputing, with supporting details for each. 
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  Balance : {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Balance : {$350.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 611 ( 15 U.S.C 618i ), I have the right to dispute inaccurate information on my credit report, and I am requesting that you conduct a full investigation into the above-listed accounts and inquiry. I understand that under FCRA 623 ( a ) ( 2 ), data furnishers are required to correct and update inaccurate information, and FCRA 623 ( b ) mandates that furnishers investigate disputes raised by consumers. If the reported information can not be verified, it should be corrected or removed 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 non-monetary relief
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
I am submitting to formally dispute several entries on my credit report that I believe are inaccurate and need to be corrected. I have carefully reviewed my credit report, and I found multiple discrepancies regarding late payments and balances owed that do not accurately reflect my financial history. Below, I have outlined the specific accounts in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Late 60 Days Under FCRA 611 ( 15 U.S.C 618i ), I understand that I have the right to dispute any inaccurate information on my credit report, and I request a thorough investigation into each of these entries. Additionally, FCRA 623 ( a ) ( 2 ) and FCRA 623 ( b ) make it clear that data furnishers are obligated to investigate and correct any inaccuracies in the information they report.

Lastly, according to FCRA 602, the purpose of the Fair Credit Reporting Act is to ensure fair, accurate, and privacy-protected reporting for all consumers. I believe these errors have affected my credit score and could potentially harm my ability to access credit in the future

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting to formally dispute several entries on my credit report that I believe are inaccurate and need to be corrected. I have carefully reviewed my credit report, and I found multiple discrepancies regarding late payments and balances owed that do not accurately reflect my financial history. Below, I have outlined the specific accounts in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Late 60 Days Under FCRA 611 ( 15 U.S.C 618i ), I understand that I have the right to dispute any inaccurate information on my credit report, and I request a thorough investigation into each of these entries. Additionally, FCRA 623 ( a ) ( 2 ) and FCRA 623 ( b ) make it clear that data furnishers are obligated to investigate and correct any inaccuracies in the information they report.

Lastly, according to FCRA 602, the purpose of the Fair Credit Reporting Act is to ensure fair, accurate, and privacy-protected reporting for all consumers. I believe these errors have affected my credit score and could potentially harm my ability to access credit in the future

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 2025-11-12 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: FL

Complaint narrative:
I am submitting this formal follow-up regarding inaccuracies that remain on my credit report for XXXX accounts despite prior dispute requests. My previous submissions requested that these accounts be properly reviewed and corrected under the applicable consumer protection laws. However, as of this date, the inaccurate reporting persists.Account XXXX : XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX This account is inaccurately reporting as having past due or inconsistent payment information despite maintaining a current and active status. My records confirm that all payments have been made on time. I am requesting correction to ensure this account accurately reflects its current payment status with no late notations, as required under FCRA 15 U.S. Code 1666 ( Correction of Billing Errors ). 
Account XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX This account contains reporting inconsistencies regarding payment updates and account balance accuracy. The account should reflect a current standing, as my payments have been made as agreed. I am requesting correction to ensure the account accurately displays its Current status and verified balance.Under FCRA 623 ( a ) ( 2 ) ( Duty to Correct and Update Information ), furnishers are required to promptly correct and update any information determined to be incomplete or inaccurate. Additionally, FCRA 611 ( 15 U.S.C. 1681i ) mandates a reasonable reinvestigation of disputed information and the correction of any verified errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was a XXXX XXXX, I created an account with capital one. At this time I was using the account to hold the fees I was charging the person for preparing their taxes. So how the banking account was creating new savings accounts each time I would be paid resulting in about 52 accounts while trying to resolve the issue with the error of the saving accounts being opened the account was frozen, I provided all information they requested however they did not release my funds as they returned back to irs in which sent my money I earned back to each person that render my services is there anything I can do to get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TN

Complaint narrative:
I am submitting to dispute several entries on my credit report that I believe to be inaccurate, outdated, or incorrectly reported. After reviewing my credit file, I have identified discrepancies with certain accounts and an unauthorized inquiry that I would like to address. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report reflects only accurate and up-to-date information. 
XXXX XXXX XXXX XXXX XXXX {$49000.00} XXXX  XXXX Original creditor : XXXX XXXX '' : '' XXXX, XXXX XXXX : {$420.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Legal References : FCRA 605 ( a ) ( 15 U.S.C 1681c ) : This section governs the reporting of obsolete information. The charge-off listed above may be outdated and should be removed or corrected if it falls outside of the legal reporting period. 
FCRA 623 ( a ) ( 5 ) : Under this section, furnishers of information must report the accurate Date of First Delinquency ( DOFD ) and update any information that is inaccurate or incomplete. I request that you verify the accuracy of the reported information for the collection and charge-off accounts.

FCRA 604 ( a ) ( 3 ) : This section requires that inquiries be made only with permissible purpose. The inquiry from XXXX on XX/XX/year>, does not seem to meet the criteria for permissible purpose, and I ask that it be investigated and removed if found to be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: LA

Complaint narrative:
* * The issue is with XXXX XXXX XXXXXXXX XXXX XXXX XXXX  On XX/XX/year>, I proceeded to Entergy.com to log into my account and pay an electric bill. I transferred {$340.00} to my checking account to satisfy the bill. I paid {$300.00}, the {$1.00} was for a service fee and {$300.00} to be applied towards my balance. The payment of {$300.00} was deducted from my banking account. I also spoke to a representative via chat whom confirmed that the payment was successfully debited. I called XXXX on XX/XX/year>, to inquire about the payment, since XXXX passed and it hadn't been applied. The representative with XXXX didn't see my payment and said to call back on XX/XX/year> to inquire a second time. I called XXXX on XX/XX/year>, the representative didn't see that payment, XXXX later. I asked for a XXXX to research where my money went. My bank was pointing me to XXXX and XXXX to my bank. I'm caught in the middle, without solution. The XXXX requested that I send proof of payment to XXXX. I did as requested and the department asked for a confirmation #. I never received XXXX, due to a system error on XXXX end. Now, they're refusing to credit my account {$300.00}, I've sent proof of payment to the email address, and getting no resolution. The money has left my bank account, and XXXX businesses are blaming each other. I am the victim here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-12 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I disputed an account from XXXX XXXX XXXX with Experian on XX/XX/year>, and Experian verified it as accurate on XX/XX/year>. 

I reopened the dispute the same day ( XX/XX/year> ) and included proof that XXXX  deleted the same account after finding it could not be verified. Experian again verified it on XX/XX/year>. 

On XX/XX/year>, I sent Experian a XXXX XXXX XXXX request under the Fair Credit Reporting Act asking for proof of how they verified the account. They did not provide any documentation or verification details, only that the account remains. 

XXXX requesting this account be deleted since Experian failed to verify it

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