vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have severe social XXXX and have been asking XXXX XXXX  for accommodations for my XXXX for years. They say I should be able to handle any issues via chat or XXXX  mail. Everytime I use the chat feature they say they can't help me I need to contact them via phone and everytime I contact them via XXXX mail I never get any response. I didn't choose to have social XXXX and being able to handle simple issues via online chat doesn't seem like to much of a demand. Can you please help me, thank you!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 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: CA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$00.00} INQUIRIES : 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 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 2025-07-11 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: AL

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Balance : {$0.00} XXXXXXXX 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, Balance : {$0.00} XXXXXXXX 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, Balance : {$0.00} XXXX XXXX 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, Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX 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, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I have disputed an account that shows as new, and original when it is a collection company. It is not my account. Transunion refuses to investigate this and the representative told me it's my problem to call the company and ensure it's correct, they refused to allow me to speak to a supervisor, and were insulting and rude. Told me go ahead, report us. They do not investigate anything.

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 2025-07-11 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: AL

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX 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 : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00}

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 2025-07-11 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 a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXX seeking that my consumer rights be implemented in the FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
CrossCountry Mortgage has been calling me on a daily basis and hanging up automatically. I've repeated requested that they stop harassing me and fix their system, and they have repeatedly claimed they would " escalate '' my concern and fix the issue. They have not. They have also repeatedly told me they would review my concerns and escalate my issues to a manager, and they have not. They have also repeatedly told me they would " put in a request '' for a manager to call me back, and they have not. When I have attempted to call ( including today 3 times ), their own automated phone system and employees hang up on me.

According to my research and knowledge of the ongoing issues I'm having with CrossCountry Mortgage, they are violating federal law by continuing to call me and hanging up : " A mortgage company continually calling you every single day and automatically hanging up could potentially be illegal under XXXX federal law, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Telephone Consumer Protection Act ( TCPA ). '' I would respectfully request that this particular company be investigated to the fullest extent of the law including a full audit of their behaviors, practices, phone recordings ( including my own ), and standards of operation procedures. I would also respectfully request that executives and stakeholders be made aware of said investigation as well as this specific complaint ( their own employees claim concerns like this can not be forwarded ). According to the " executive solutions '' team I spoke to this morning, I'll have to just take their " word for it '' after requesting proof that my repeated requests to cease their failed communications end now, be resolved, and escalated to someone who can actually make it happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XX/XX/year> Capital One had a " vendor '' problem and couldn't deposit my direct deposit funds. This was national news. 

I then received an email stating I should contact them for any fees incurred related to their error. I did so. 

First they got the amount incorrect after a XXXX minute phone call. I received an email confirmation with the wrong amount. 

I immediately called back XXXX  to get this resolved and was told I'd get an email confirmation. I did not. Then I got an email saying my dispute was denied, but I'd get another email related to a new claim with the correct amount. That has not happened. 

So I called again. I was told there were no open claims. I stated this was incorrect. After dealing with XXXX rude customer service agent, and a rude XXXX, I was again told the dispute would be opened and I'd receive an email but that they couldn't provide me with confirmation XXXX XXXX  or any other info, just that I'd receive an email. This also never happened. This has now been going on for almost XXXX days with no emails, confirmations, or answers. 

I called the customer service line to complain about this, was ignored and simply transferred back to the department that wouldn't process my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date : XX/XX/scrub>/2025 Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Against Experian for Illegal Reinsertion and Misreporting of Upgrade Account # XXXX To Whom It May Concern : I am writing to file a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) by illegally reinserting and misreporting information on my credit file regarding Upgrade account # XXXX. 

On XX/XX/scrub> 2025, Experian updated this account status to Paid on time, never late. However, I recently discovered that as of XX/XX/scrub> 2025, Experian has reinserted negative information and is now reporting the account as a charge-off, which is inaccurate and harmful. 

I did not receive the legally required written notice of reinsertion, as required by FCRA Section 611 ( a ) ( 5 ) ( B ). That section states that if previously deleted information is reinserted into a credit file, the credit bureau must : 1. Certify the accuracy and completeness of the information with the furnisher ; 2. Provide written notice to the consumer within five ( 5 ) business days, including the furnishers name, address, and phone number.

Experian failed to follow both steps. This has caused damage to my creditworthiness, has lowered my credit score, and may impact my ability to obtain credit or favorable financial terms.

I am requesting that the CFPB investigate Experians conduct and require them to : Immediately remove the inaccurate charge-off reporting for XXXX  account # XXXX ; Provide a full explanation and certification of any data reinsertion ; Issue a written confirmation that the information has been corrected ; and Take steps to prevent future violations of the FCRA. 

I have attached relevant evidence, including previous credit report entries, dispute confirmations, and recent report snapshots showing the status change. 

Thank you for your time and attention to this matter. Please let me know if you need anything else to support your investigation. 

Sincerely, 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 2025-07-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: ID

Complaint narrative:
XXXX XXXX has over {$1000.00} worth of charges from XXXX, XXXX and a XXXX XXXX from XX/XX/year> - XX/XX/year> that they refuse to reverse Cash app Payment to XXXX XXXX {$520.00}, {$250.00}, {$150.00}, & {$65.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NC

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$680.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) due to the unauthorized reinsertion of a previously deleted fraudulent account on my credit reports, violating multiple sections of federal law.

FCRA Violations Involved : 1. FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Credit bureaus must notify the consumer in writing within 5 business days of any reinsertion of previously deleted information. They must also disclose the name, address, and phone number of the furnisher.

2. FCRA 605B ( 15 U.S.C. 1681c-2 ) : If a consumer submits a valid Identity Theft Report, CRAs are required to block and exclude fraudulent accounts from being reported again.

3. FCRA 609 ( a ) ( 1 ) : Consumers have the right to full disclosure of all information in their credit file, including the identity of the entity that furnished the reinserted data.

Fraudulent Account Reinserted Without Notice : Creditor : XXXX ( XXXX ) Account Number : XXXX Fraud Began : XX/XX/XXXX Discovered : XX/XX/XXXX Employment Information Misused : XXXX XXXX This account was previously identified as fraudulent, deleted, and has now been reinserted on my credit report without my knowledge, notice, or authorization, which constitutes a willful violation of my rights.

Harm and Risk : The reinsertion of this fraudulent account is damaging my creditworthiness and ability to obtain financial services. It also reflects ongoing misuse of my personal and employment information, despite my official FTC Identity Theft Report being on file.

Requested Resolution : 1. Permanent deletion of the XXXX account from all credit reporting agencies ( Equifax, Experian, TransUnion ).

2. Written explanation of : Why the reinsertion occurred, Who the furnisher is, and Why no notice was provided.

3. A guarantee that the account will not be reinserted again unless fully compliant with FCRA 611.

4. A formal CFPB investigation into this FCRA violation, and sanctions where applicable.

5. Optional : I reserve the right to pursue monetary damages under FCRA 616 ( willful noncompliance ) or 617 ( negligent noncompliance ).

Attached : FTC Identity Theft Report # XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) due to the unauthorized reinsertion of a previously deleted fraudulent account on my credit reports, violating multiple sections of federal law.

FCRA Violations Involved : 1. FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Credit bureaus must notify the consumer in writing within 5 business days of any reinsertion of previously deleted information. They must also disclose the name, address, and phone number of the furnisher.

2. FCRA 605B ( 15 U.S.C. 1681c-2 ) : If a consumer submits a valid Identity Theft Report, CRAs are required to block and exclude fraudulent accounts from being reported again.

3. FCRA 609 ( a ) ( 1 ) : Consumers have the right to full disclosure of all information in their credit file, including the identity of the entity that furnished the reinserted data.

Fraudulent Account Reinserted Without Notice : Creditor : XXXX ( XXXX ) Account Number : XXXX Fraud Began : XX/XX/XXXX Discovered : XX/XX/XXXX Employment Information Misused : XXXX XXXX This account was previously identified as fraudulent, deleted, and has now been reinserted on my credit report without my knowledge, notice, or authorization, which constitutes a willful violation of my rights.

Harm and Risk : The reinsertion of this fraudulent account is damaging my creditworthiness and ability to obtain financial services. It also reflects ongoing misuse of my personal and employment information, despite my official FTC Identity Theft Report being on file.

Requested Resolution : 1. Permanent deletion of the XXXX account from all credit reporting agencies ( Equifax, Experian, TransUnion ).

2. Written explanation of : Why the reinsertion occurred, Who the furnisher is, and Why no notice was provided.

3. A guarantee that the account will not be reinserted again unless fully compliant with FCRA 611.

4. A formal CFPB investigation into this FCRA violation, and sanctions where applicable.

5. Optional : I reserve the right to pursue monetary damages under FCRA 616 ( willful noncompliance ) or 617 ( negligent noncompliance ).

Attached : FTC Identity Theft Report # XXXX Sincerely, 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