vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: RI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
The fraud originated on the XXXX platform, where a scammer posted a deceptive listing. After initial contact was made, they instructed me to pay directly through Cash App, bypassing XXXX protections. I reported the incident to XXXX XXXX XXXX XXXX XXXX, but they declined assistance since the payment occurred off-platform. 

Between XX/XX/XXXX and XX/XX/year>, I was the victim of a scam involving a fraudulent listing on XXXX. After viewing the listing, the individual posing as a host contacted me directly and instructed me to pay outside of XXXX platform via Cash App, claiming it would secure the unit faster. Believing this was a legitimate booking, I sent multiple payments totaling {$5100.00} to the individuals Cash App tag. 

After completing the payments, I discovered from the leasing office that this person was not authorized to rent or sublease the property. It became clear that I was misled through intentional deception. The scammer ceased all communication and deleted the listing. I immediately filed a police report and collected the following documentation : Cash App payment confirmations Police report # XXXXXXXX XXXX XXXX XXXX XXXX XXXX I submitted a formal fraud report through Cash App with this documentation, but I have not received any resolution, refund, or follow-up despite clear evidence of criminal misrepresentation and theft by deception. 

I am respectfully requesting the CFPB to investigate this matter and assist in securing a full refund of {$5100.00} from Square , Inc. ( Cash App ). I also request that Square take appropriate steps to remove the fraudulent account, improve fraud monitoring systems, and protect other consumers from similar financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 2025-07-08 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:
My name is XXXX XXXX, and I am filing this complaint because I recently discovered that my TransUnion credit report includes two collection accounts that I do not recognize, authorize, or have any prior knowledge of. 

These accounts are : XXXX XXXX, for {$890.00} ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$530.00} ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) I have never received any formal communication about these debtsnot a letter, phone call, or proper notice. I was never given a chance to understand or validate the origin of these alleged obligations. Ive also never received any debt verification, and learning about these accounts through my credit report was both shocking and upsetting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and verifiable information reported under my name. 

Under 15 U.S.C. 1681e ( b ), TransUnion must follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting these unverified accounts violates that duty. 

Under 15 U.S.C. 1681i ( a ), I have the right to dispute any item, and the credit bureau must conduct a reasonable investigation. If the information can not be verified, it must be promptly deleted.

Also, 15 U.S.C. 1681s-2 ( b ) requires that the data furnishers ( like XXXX and XXXX XXXX  ) conduct proper investigations and correct or remove incorrect information once a dispute has been raised. 

These accounts are damaging my credit and have caused me emotional stress and XXXX. I am simply asking for my legal right to be respected. Im not avoiding any real obligationjust disputing accounts that are inaccurate and unverifiable.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

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

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
My Virginia drivers license was left inside of the bank on XX/XX/year>. I returned to the bank about 2 weeks later after receiving a voicemail from XX/XX/year>, that my ID was found at the bank. I waited for almost an hour in the lobby while the employees searched for my ID. It was never given back to me. I was told they would call me once they located it. I called again today around XXXX and was told they cant find it and they will get me a call back. I never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: DE

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 Address : XXXX XXXX XXXX XXXX XXXX DE XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/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 non-monetary relief
Consumer complaint received 2025-07-08 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: CredHub, Inc
State: GA

Complaint narrative:
Despite submitting a formal dispute to the credit bureau and creditor, this fraudulent account has not been permanently removed. Under 15 U.S. Code 1681i, the credit bureau is obligated to conduct a reasonable reinvestigation if a consumer disputes the accuracy of an item on their credit report.

Given that this account was opened using information likely exposed in the XXXX  data breach, I request the immediate and permanent deletion of the fraudulent account from all credit reporting agencies. I am also requesting that the original creditor conduct a full fraud investigation in accordance with 15 U.S.C. 1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CA

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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
Concora Credit called my parents house number which was not a number listed on my account. Im also XXXX XXXX XXXX. How did they get my parents house number? Not only did they harass them. They then proceeded to tell them my current balance on my credit card & my past due balance without my consent. Im in the process of filing bankruptcy and have already hired an attorney & I dont appreciate them discussing my information with people that dont have anything to do with my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: SC

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 Address : XXXX XXXX XXXX XXXX SC XXXX ACCOUNTS : UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2400.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1600.00} INQUIRIES : XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: FL

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 Address : XXXX XXXX XXXX XXXX XXXX FL XXXX INQUIRIES : XXXX  Date : XX/XX/23

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive been raising concerns about the inaccuracies on my credit report for months, yet nothing has been resolved. Let me be clearthis complaint is not a mistake. These errors continue to create unnecessary obstacles during an already difficult time, compounding the negative impact on my life.

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 2025-07-08 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00}

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 2025-07-08 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not 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 explanation
Consumer complaint received 2025-07-09 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: Chime Financial Inc
State: TX

Complaint narrative:
I had {$150.00} fraudulently withdrawn from my Chime account for a purchase made in a town I have never been to. I immediately reported this transaction to Chime as unauthorized. After minimal communication and no opportunity to provide supporting documentation, I received an email from Chime stating the investigation was closed and the transaction was determined to be my responsibility. 

Company Name : Chime Financial , Inc.

When did this happen? 
XX/XX/year> How much money are you disputing? 
{$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TN

Complaint narrative:
I sent certified mail to experian, XXXX  and XXXX  on XX/XX/XXXX with proof I sent certified mail to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requisted that the companies do a through investigation as these accounts are not mine and provide me with proof and wet signatures. When they did not send me an investigation within 30 days I sent letters to XXXX, Expeiran and XXXX  with copies of the letters and green cards from certified mail along with XXXX proofs of id and XXXX pieces of mail to prove XXXX. They all keep giving stall letters and only updated some of the accounts to say investigated/accurate without providing proof of the accounts or the XXXX  XXXX bankrupcy on my reports.

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 2025-07-08 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: TN

Complaint narrative:
I sent certified mail to XXXX, transunion and XXXX  on XX/XX/XXXX with proof I sent certified mail to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requisted that the companies do a through investigation as these accounts are not mine and provide me with proof and wet signatures. When they did not send me an investigation within 30 days I sent letters to XXXX, XXXX and Transunion with copies of the letters and green cards from certified mail along with XXXX proofs of id and XXXX pieces of mail to prove Idendity. They all keep giving stall letters and only updated some of the accounts to say investigated/accurate without providing proof of the accounts or the XXXX  XXXX bankrupcy on my reports.

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