vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion 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. Im seeking that my consumer rights be implemented in the FCRA Section XXXXB ( 15 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 non-monetary relief
Consumer complaint received 2025-06-04 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing a {$110.00} collection account reported by Credit Collection Services ( original creditor : XXXX XXXX XXXX ). I sent a written request for debt validation on [ insert date or say early XX/XX/year>2025 ], asking for documentation such as the original signed agreement, full accounting of the debt, proof of legal assignment, and evidence of their authority to collect in my state. 

The company has failed to provide any of this information within the XXXXday period. Despite this, they continue reporting the account as active and unpaid on my XXXX  credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am formally requesting the removal of this account and a full investigation into their reporting practices.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
I recently checked my credit report and saw accounts reporting collections that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: VA

Complaint narrative:
I am a victim of identity theft. Someone has stole my identity and used it to open a car loan without my consent I never gave anyone my personal information or authorization to open these accounts. Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: VA

Complaint narrative:
I am a victim of identity theft. Someone has stole my identity and used it to open a car loan without my consent I never gave anyone my personal information or authorization to open these accounts. Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-04 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:
XXXXI am writing to formally dispute several entries currently listed on my credit report, which I believe to be inaccurate, incomplete, unverifiable, untimely, not in compliance with the Fair Credit Reporting Act (FCRA), the Metro 2 Format, and possibly not associated with any legal obligation or responsibility on my part.XXXXUpon reviewing my credit report, I have identified multiple entries and inquiries that appear to be reported in error or without adequate documentation. I respectfully request that you immediately investigate these disputed items and remove any that cannot be fully validated in accordance with applicable laws and standards.XXXXInquiries Being DisputedXXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries were made without my authorization, and I request that you investigate their legitimacy and remove them if they cannot be substantiated with documented proof of my consent.XXXXCollections Being DisputedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI request that you provide written validation for each item listed above, including a notarized affidavit from a person with direct knowledge of the debt. The affidavit should verify that the debt was lawfully incurred, not disputed due to faulty products or services, not previously charged off, and not claimed as a loss or deduction by the creditor or reported to insurance. If such validation cannot be provided, the item must be removed from my report immediatelyXXXXPersonal Information Discrepancies:\nIncorrect NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease update or remove this inaccurate personal information from my file, as it does not reflect my current or correct identity and may be contributing to the misreporting of other entries.XXXX remind you that under the Fair Credit Reporting Act, you are required to ensure that all information reported is accurate, complete, and verifiable. Any failure to do so may be seen as negligent or willfully noncompliant behavior, and I reserve my right to pursue legal action if these discrepancies are not corrected within XXXX days of your receipt of this notice.XXXXAdditionally, I request a full summary of the actions taken as a result of this dispute and demand that you cease all further reporting and collection activity on any item that cannot be verified in full compliance with FCRA, CDIA guidelines, and the Metro 2 reporting standardsXXXXThis is a formal notice of consumer dispute and a demand for compliance. Please treat it as such and respond accordingly.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
COMPLAINT Cash App Consumer Name : XXXX XXXX XXXX Complained About : Cash App ( Square, Inc. ) Product : Mobile or digital wallet Issue Type : Unauthorized transactions/ Funds not available/ Poor customer service Description of the Problem : I, XXXX XXXX, am filing a formal complaint against Cash App regarding a recent issue that has not been resolved after multiple attempts to contact their support team. 

I experienced a problem with a transaction on my Cash App account where funds were either held, withdrawn without proper authorization, or never credited back after an error. I followed all steps on the app to report the issue and reached out to customer service numerous times, but I received generic responses or no resolution at all. 

Cash App has failed to provide timely assistance, transparency, or accountability regarding this matter. The inability to speak directly with a representative and the lack of adequate support channels has left me frustrated and without access to my own money. This delay and poor communication have caused undue stress and hardship. 



Requested Resolution : I am requesting that Cash App : XXXX. Fully investigate the disputed transaction ( XXXX ) on my account. 
XXXX. Provide a clear and documented explanation of what occurred. 
XXXX. Refund the amount in question or resolve the issue appropriately. 
XXXX. Improve their customer service process, especially for handling financial complaints and urgent user concerns. 

This situation is unacceptable for a financial platform handling personal funds, and I believe regulatory oversight is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
These fraudulent accounts are inaccurately associated with my identity. I have never opened these accounts nor authorized them in any form. As allowed by 15 U.S.C. 1681g, I request their removal from my credit report within 15 days. Please find attached my documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: CO

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights 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 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: AZ

Complaint narrative:
XX/XX/year> : Contacted my roommate about my debt without my knowledge. Screenshots of evidence were obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
My XXXX  credit report says my Indigo card with Concora Bank, has a 100 % on-time payment record, yet it says that at one point I was 60 days late. 

I called the credit card company to ask when the late payments occurred and they said they didn't have a record of them, but I could dispute it. 

They recently sent a letter saying, " After the investigation, our records indicate the information is accurate and complete for the following reason ( s ) : Your account was past due during the timeframe described in your dispute. '' Yet, when I called to file the dispute they couldn't tell me when this occurred. 

I called back today, and they told me to call XXXX, as their systems only go back two years. So, I called XXXX  and they said that it was between XXXX and XX/XX/year>, but with no date indicated. XXXX  told me to contact my bank, but I can not get statements from that timeframe because it's been too long. 

It's odd to me that the credit card company declined to remove this late indication from my credit report, yet they can not give me a date as to when it occurred. 

Per TransUnion suggestion, they told me to contact CFPB for more assistance, This late payment record on my credit report is hurting my score and the credit card company can not give me more information. I would like to dispute this and have it removed from my credit report. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Flexible Finance, Inc.
State: NV

Complaint narrative:
I recently moved into a new apartment, and like many others rent is a huge chunk of my monthly income. I became aware of a company that allows you to split your rent into XXXX payments, you pay them half the rent, and they loan you the other half and pay the your complete rent when it's due, for a {$15.00} a month fee, and also 2.5 % of the rent paid. It said that you had to be signed up by the XXXX of the month to to use it for that current months rent. I was waiting until I had the money to pay the half the rent before I completed sign up and entered my payment information because I wasn't sure what card I was going to use. At XXXX I completed my sign up to the service. Once I was in the actual app and was looking around only then did I see that you had to complete sign up by XXXX p.m. on the XXXX of the month to be eligible to have that month 's rent paid nowhere did it say that anywhere it just said the XXXX of the month only after you completed sign up and we're in the app where you made aware that it had to be by a certain time limit. I submitted proof to them that I had signed up by XXXX, but there's still denying to uphold their contracted obligations. Now i, I'm XXXX XXXX XXXX, and I only have half of my rent I can't pay my full rent. And my apartment building will evict you over something like that. I wonder how many other people this has happened to, the only way to get in touch with the company is by email and I had to wait XXXX hours for someone to send me a return email after I filled out a form, and it doesn't seem to bother them at all that I myself and probably many others are left with only half of their rent payment. It also told me that i was signed up, and i was able to access their portal with a user name and password, only later did I receive and email saying that I had only just then completed signup, with no previous indication that my registration was incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Friday XX/XX/XXXX, my debit card number was stolen and my account was drained. I called BOFA support at ( XXXX ) XXXX to get information. They said I should have credit available soon. I called again on Monday, XX/XX/XXXX, and called the ( XXXX ) XXXX number at XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX. I escalated to the supervisor ( I believe XXXX XXXX where she claimed nobody pushed my provisional credit through, so she did that then. She said I should expect it by end of day yesterday. I never received it. I called again this morning at XXXXXXXX XXXX where the agent said I should receive it today. I did not receive it. I called again at XXXX XXXX  today XX/XX/XXXX, where I escalated to a manager again who would not give me his last name. He said he would push the credit through, as the supervisor did not on Monday. I asked for an email detailing this call for the provisional credit and give a timeline. He refused and said this was all policy.

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 2025-06-04 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: LA

Complaint narrative:
Im writing to formally dispute a credit inquiry listed on my report that I did not authorize. After reviewing my credit file, I noticed a hard inquiry on my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called Experian to dispute multiple hard inquiries on my credit report that I did not authorize with full consent. These inquiries were made after a car dealership ( XXXX XXXX of XXXX ) misrepresented the loan process and submitted my credit to multiple lenders I never agreed to apply with. 

When I tried to file the dispute by phone, Experian refused to open an investigation, stating I had to contact each creditor directly. 

Under the Fair Credit Reporting Act, I understand that I have the right to dispute any information on my credit report directly with the credit bureau. I am requesting that Experian be required to open the investigation into these hard inquiries and follow the proper dispute process.

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 2025-06-04 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: PA

Complaint narrative:
While reviewing my credit report today, I noticed some inquiries that I did not authorize, and I have no explanation for their presence. I check my report regularly, and this is the XX/XX/XXXX time something like this has happened. I thought it might be a glitch and refreshed my browser, but the inquiries remained. Im therefore asking for a thorough examination of the documents I provided to ensure this issue is properly handled.

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 2025-06-04 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: NH

Complaint narrative:
I am submitting this formal complaint regarding Equifax, Transunion, & Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. I disputed several fraudulent accounts and provided Equifax, Transunion, & Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax, Transunion & Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Equifax, Transunion & Experian 's failure to uphold consumer protections under the FCRA.

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 2025-06-04 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: NH

Complaint narrative:
I am submitting this formal complaint regarding Equifax, Transunion, & Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. I disputed several fraudulent accounts and provided Equifax, Transunion, & Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax, Transunion & Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Equifax, Transunion & Experian 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with non-monetary relief