vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: OK

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 non-monetary relief
Consumer complaint received 2025-05-23 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: OK

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 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 2025-05-22 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: PA

Complaint narrative:
XX/XX/25 my bank notified me of potential fraud in my checking account. I called the company Cash app. I explained that someone accessed my account and took XXXX from My account with the bank XXXX XXXX XXXX transferred it to Cash app then transferred it to a XXXX ending in XXXX. I called them and told them it wasnt me and I dont know who has that XXXX. They took my information and said they would investigate. My bank blocked my card and asked for paperwork from them. I have called multiple times received 2 emails that gave instructions to obtain document. The document ms dont download and no one will help me. I spoke to a XXXX XXXX XXXX and XXXX men I couldnt understand. My case number is XXXX. I need my money. So I need the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: MO

Complaint narrative:
I found an INACCURATE & INCOMPLETE negative item on my CREDIT REPORT. I contacted LexisNexis, recieved no verifiable response, and am requesting a full investigation under the FAIR CREDIT REPORTING ACT ( FCRA ). Please REMOVE & DELETE FROM MY CREDIT REPORT IMMEDIATELY!! I have 100 % ; PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally escalate unresolved credit reporting issues that continue to appear on my credit file despite multiple disputes filed with the major consumer reporting agencies. The following information remains inaccurate or unverifiable, and I now seek intervention under the authority of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 
Firstly, several incorrect addresses are being associated with my profile, none of which I have ever occupied or used in any financial capacity. These addresses include : ( 1 ) XXXX XXXX XXXX XXXX, TN XXXX, ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, ( 3 ) XXXX XXXX XXXX, XXXX, TN XXXX, ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX and ( 5 ) XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX The repeated appearance of these addresses reflects noncompliance with the requirement for accurate reporting under 15 U.S.C. 1681e ( b ). 
Secondly, specific account entries remain disputed and uncorrected : ( 1 ) XXXX XXXX, account # XXXXXXXX XXXX XXXX XXXX XXXX, is listed with a charge-off status and a balance of {$780.00} since XX/XX/XXXX. This entry lacks verification and remains uncorrected following dispute. ( 2 ) XXXX XXXX XXXX, account # XXXX XXXX XXXX, opened on XX/XX/XXXX, reports late payment activity that I have already challenged without a proper response or reinvestigation. ( 3 ) A hard inquiry by XXXX XXXX XXXX dated XX/XX/XXXX appears on my file without my authorization, violating permissible use guidelines under 15 U.S.C. 1681b. 
These inaccuracies are not only unjustified but have led to tangible harm including credit denials and undue stress. The reporting agencies ' failure to remove or correct these items upon dispute violates 15 U.S.C. 1681i and demonstrates willful noncompliance subject to civil liability under 15 U.S.C. 1681n. 
Moreover, the continued appearance of these items constitutes a continuing violation, which renews the statutory liability each day the inaccurate data persists. The dismissal of my previous disputes through unsubstantiated stall responses is not acceptable under federal law, and I reject any response from third parties not authorized to validate or verify reported data.

I urge the Consumer Financial Protection Bureau to enforce compliance and ensure all disputed data is verified or removed immediately. I demand a full correction within ten ( 10 ) days from the receipt of this letter as provided under 15 U.S.C. 1681k and 1692k, failing which I will escalate the matter to the FTC, State Attorney General, and if necessary, pursue private remedies in federal court. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX has been reporting information for monetary dues to these Credit reporting agencies with out my permission. Ive placed a credit freeze and they are still reporting information to where now Im being denied This information is not any transaction related to me as a consumer. " XXXX XXXX shared my information with this person and I never gave permission for that and now all this information is on my credit report. 
I am worried and at this point I feel like I need a new social. '' " punitive damage is when they expect an updated copy of my credit report of this update and block. I want a copy of receipt of my letter notifying you of the block and letting them know of identity theft. " This is stressing me out and very detrimental to my health. You are affecting my quality of life. You are blocking me from getting stuff. The money I was denied, now you owe me- punitive damages 15c 1682 ( 4 ) right to privacy. There is a need to make sure that this is being respected. 
Reasonable procudures- accuracy and fairness They tend to twist the words of congress as these are congress words. 
603 ( 2 ) ( a ) ( i ) transactions and experiences can not be reported ( use with late payments ) " I've attempted before and willful non compliance of the fair credit reporting act. The FCRA states ( cite the law ). Since you are collecting this information directly from ( creditor ) and this is an experience between me and this person, clearly this is a violation and should be removed immediately. 
603 ( 3 ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
( f ) The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 15 usc 1681 N for {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX has been reporting information for monetary dues to these Credit reporting agencies with out my permission. Ive placed a credit freeze and they are still reporting information to where now Im being denied This information is not any transaction related to me as a consumer. " XXXX XXXX shared my information with this person and I never gave permission for that and now all this information is on my credit report. 
I am worried and at this point I feel like I need a new social. '' " punitive damage is when they expect an updated copy of my credit report of this update and block. I want a copy of receipt of my letter notifying you of the block and letting them know of identity theft. " This is stressing me out and very detrimental to my health. You are affecting my quality of life. You are blocking me from getting stuff. The money I was denied, now you owe me- punitive damages 15c 1682 ( 4 ) right to privacy. There is a need to make sure that this is being respected.

Reasonable procudures- accuracy and fairness They tend to twist the words of congress as these are congress words.

603 ( 2 ) ( a ) ( i ) transactions and experiences can not be reported ( use with late payments ) " I've attempted before and willful non compliance of the fair credit reporting act. The FCRA states ( cite the law ). Since you are collecting this information directly from ( creditor ) and this is an experience between me and this person, clearly this is a violation and should be removed immediately.

603 ( 3 ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

( f ) The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 15 usc 1681 N for {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Mortgage — FHA 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: LD Holdings Group, LLC
State: GA

Complaint narrative:
Issue : I am disputing a 30-day late payment that was reported on my mortgage account in XXXX, despite my prior communication with the lender about entering into forbearance due to financial hardship. 

Details : Before my XXXX payment due date, I contacted my mortgage servicer to request a forbearance option due to a temporary financial hardship. While the formal approval of the forbearance was not processed until XX/XX/XXXX, I communicated my intent to enter forbearance prior to being 30 days late. 

Despite my early outreach and intention to avoid delinquency, the mortgage servicer proceeded to report my XXXX payment as 30 days late to the credit bureaus and has refused to remove the late fee or the negative credit mark. 

Impact : This late mark has already had a damaging effect on my credit, and I believe this does not reflect the full context of the situation. I am now in the process of bringing my mortgage current using funds from my XXXX ( k ) to resolve the hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CL Holdings LLC
State: GA

Complaint narrative:
i recently reviewed my credit report that has fraudulent activity on it. please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I reported fraud involving over {$1300.00} that I was coerced into paying. The bank denied my claim, stating I authorized the transaction. On a recorded call, I clearly said I was forced, but they are now falsely stating I said I was not. This is a misrepresentation of my statement and has led to my claim being denied unfairly. 

I am experiencing financial hardship due to this decision and request the CFPBs assistance to have the dispute reopened, charges reversed, and the recording reviewed properly by a fraud specialist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
Account EASTERN ACCOUNT SYSTEM # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: VA

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 2025-05-23 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
XX/XX/year> we tried to get a refinance of the XXXX XXXX XXXX mortgage to another bank before our mortgage matured in XXXX. The closing was taking longer due to Covid so XXXX personel told us to keep making payments as usual and would put a note on our file. We sent the XXXX payment and it was rejected and a negitive comment was entered on my credit report causing XXXX XXXX to back out of our loan application. We called XXXX and after we got the run around we contacted XXXX and XXXX agreed to remove the negative credit report so we could refinance. We refinanced with another loan provider in XXXX. XXXX placed the negative credit report back after we refinanced. I want that negative report removed from my credit report especially since it was XXXX fault our refinance was delayed and they went back on what was agreed on. I do have counsel standing by since the negative credit report has caused financial damage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I purchased a money order from Western Union via my local XXXX grocery store on XX/XX/XXXX, for {$340.00}. I recently needed to trace this money order but no longer had the receipt. 

When I contacted Western Union for help, I was told the only way to request a trace or photocopy was to physically print and mail a " Money Order Research Request '' form, along with a {$15.00} check or money order, to a XXXX XXXX  in Colorado. The expected processing time is 68 weeks. 

Western Union already has all the necessary information to look up this transaction ( exact date, amount, store location, and likely even a digital payment record from my debit card ), yet they require an outdated, manual process that burdens the consumer and delays resolution. 

This archaic system is unacceptable in XXXX. It creates unnecessary friction, especially for consumers who are low-income, underbanked, or in urgent need of resolution. Western Union should be required to offer a digital alternative for filing money order inquiries, especially when the purchaser can supply enough identifying transaction data to reasonably locate the record. 

Im requesting the CFPB to review this practice and evaluate whether Western Unions current process aligns with fair consumer access and modern standards of financial services.

Company response to consumer: Closed with explanation