vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
My personal information was stolen and exposed as part of the Equifax data breach. As a result, I have been the victim of identity theft and unauthorized credit activity. Despite submitting a prior complaint and supporting documentation, the following inaccurate and unauthorized XXXX  inquiries remain on my credit reports : * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} I am requesting that the CFPB take further action to hold the credit bureaus accountable for failing to fully investigate and remove these fraudulent items, despite clear evidence of identity theft and breach exposure. These errors are negatively impacting my creditworthiness and ability to obtain fair credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: GA

Complaint narrative:
Summary of the Problem : I attempted to cash a valid check, but it was wrongfully declined by Certegy. I confirmed with the check issuer ( XXXX XXXX XXXX XXXX, on behalf of the XXXX class action ) that there was no issue with the check itself. The problem lies entirely with Certegys automated decision system, which improperly flagged my transaction as risky despite having no valid basis. 

Why This Is a Problem : Certegy is not only interfering with my access to legitimate funds but is also violating the Fair Credit Reporting Act ( FCRA ) by failing to provide a clear, accurate explanation of the denial. They did not notify me of any negative data on my consumer file or provide proper instructions to dispute the decision. This causes financial and emotional harm and constitutes an unfair and deceptive practice. 

Certegy Is Misinterpreting the FCRA : Under the FCRA, if a consumer is denied a financial service ( such as check cashing ) based on information in a consumer report, the company must provide a clear adverse action notice and a way to access and challenge the data. Certegy failed to do this. They also failed to provide a real-time dispute process or support contact for timely resolution. I had to spend my own time and effort investigating what happened only to find they were the issue, not the check issuer. 

Resolution I Am Requesting : Immediately correct any records tied to my identity that caused the denial. 
Provide a full explanation of the specific reason for the denial. 
Retrain staff on proper handling of adverse action notices under FCRA. 
Ensure my check ( and others like it ) is processed if presented again. 
Refrain from using secretive scoring or profiling algorithms that unfairly target certain consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: PA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that are inaccurate and not properly verified. I have dispute this directly with the credit bureau and the furnisher but the late payments remain without properly validation or documentation under 15 usc 1681s-2 a furnisher must report accurate information. Under 15 usc 1681-I the credit bureaus must perform a reasonable investigation within 30 days neither of have provided sufficient evidence to support the negative 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 explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IN

Complaint narrative:
Cash app will not let me verify my identity using id scanning which makes me have limited access using cash app. I have reinstalled the app like cash app costumer service said to do and yet it still doesn't let me verify my identity..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NC

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding XXXX XXXX for inaccurate, incomplete, and inconsistent reporting of late payments to the credit reporting agencies. 

XXXX has reported 30-day and 60-day late payments on my account to one or more credit bureaus, while failing to report them to others. This results in a clear inconsistency between my credit files, in violation of the Fair Credit Reporting Act ( FCRA ). In addition, XXXX has failed to report a complete payment history on the account, leaving gaps in the reporting that further obscure the accuracy of the tradeline. 

I have never had any other late payments on any account, including this one before or since the incident in question. I maintain a clean and consistent payment history across all other accounts, including my XXXXXXXX XXXX XXXX which demonstrates my responsible credit behavior. 

At the time these lates were reported, I was actively serving in the United States military and undergoing treatment for service-connected XXXX XXXX including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. These conditions, and the XXXX  associated with them, directly affected my ability to manage daily tasks, including financial oversight, during that time period. Medical documentation supporting this is included. 

Because of the inconsistency of XXXX  reporting, the lack of a full payment history, and the significant mitigating circumstances related to my XXXX status and documented medical hardship, I am requesting the CFPBs assistance in the following : 1. Directing XXXX to remove the reported late payments from all credit bureaus due to incomplete and inconsistent reporting and hardship context. 

2. Ensuring XXXX  complies with FCRA requirements to report accurate and complete information to all consumer reporting agencies, or otherwise remove the tradeline entirely. 

This matter has already been brought to XXXX  attention and disputed through the credit reporting agencies, but it remains unresolved. I am now seeking the CFPBs help in resolving this issue to prevent further harm. This inaccurate information is currently affecting my eligibility for a home mortgage. 

Attached are these documents : * Medical documentation of my XXXX XXXX and related diagnoses * Clean payment history from XXXX showing a strong credit profile * Screenshots of inconsistent reporting from XXXX  across different bureaus XXXX XXXX  service verification Thank you for your attention to this matter. I respectfully request that this issue be investigated and resolved in a timely manner.

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 2025-07-13 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: MA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ).

I have identified the following fraudulent item ( s ) on my credit report : - Creditor Name-Capitalone - Account Number : XXXX - Date Opened : XX/XX/year> XXXX - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau. 

Enclosed with this letter, I am providing the required documentation : XXXX. A copy of my government-issued photo ID ( proof of identity ). 
XXXX. A copy of a recent utility bill or bank statement ( proof of address ). 
XXXX. A copy of my police report or FTC Identity Theft Report. 
XXXX. A signed statement declaring that I did not initiate or authorize the listed transaction ( XXXX ) and that they are the result of identity theft. 
Please initiate a block on the above-mentioned fraudulent information within the XXXX business days required by law and confirm in writing once the block is in place. 
If you need additional information, feel free to contact me at the number or email above. 

Sincerely, XXXX XXXX XXXX : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy Please verify this account or delete. Verification is not considered Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
This debit for medical dates back on XXXX of XXXX  for XXXX XXXX XXXX XXXX o never received the frist bill and I health insurance and the insurance was never billed. The address that is stated here is in XXXX I dont live in XXXX and there XXXX address that is PA. This bill make no sense

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have been charged interest in violation of terms by Synchrony. 

I have deferred interest payment plans with no interest requiring 12 equal payments for 12 months. 

I have made additional standard purchases. 
I have paid well over the amount ( always early ) to cover the costs my standard and no interest charges. 

Synchrony has applied my overpayments to my promotional balance rather than to my standard charges and is applying interest charges. 

I agreed to 12 equal payments. I did not authorize Synchrony to reallocate my payments or pay more than the agreed to amount. 

By law and their own terms, Synchrony is required to allocate overpayments to the highest APR charges.

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 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I hope all is well. The reason for my complaint Im not understanding why Bank Of America continues to copy or send my mail to XXXX XXXX I never authorized that. XXXX XXXX is not representing me nor has power of attorney. Please stop copying and sending mail regarding my Bank Of America credit card to XXXX XXXX immediately please. This is invading my privacy. Thank you very much for your time. Have a wonderful day! 

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 2025-07-13 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:
b'I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.   \n\nFRAUDULENT ACCOUNTS:\n\nAccount 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 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 2025-07-13 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
ChexSystems shows a Suspected Fraud Activity report from XXXX XXXX XXXXXXXX from XXXX, which I was never notified of. The account is marked as settled, but I am still being denied access to open a bank account. I believe this is unfair and inaccurate reporting, and I have had no fraud charges or legal issues related to this account. My disputes with ChexSystems have not resolved this matter.

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 2025-07-13 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: AZ

Complaint narrative:
On XX/XX/year> I received a hard inquiry on my Equifax credit report from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not request any credit from this company. I searched the company 's phone number on XXXX and called them immediately, but they said they couldn't help because they didn't see any of my information in their system. They advised me to file a dispute with Equifax, which I did using their online service on XX/XX/year>. The next day, on XX/XX/year>, I received an email that their investigation was complete, and they determined that it was a valid inquiry and it would remain on my credit report for 2 years. 

I have since contacted Equifax by phone and they told me I need to contact the merchant, but when I contact the merchant I am told to talk with the credit bureau. I am adamant that I did not request credit from this merchant or give them permission to pull my credit, and I have a reached a dead end trying to resolve with both parties, so I'm hoping you can please step in and help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously sent a letter to XXXX XXXX regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2025-07-13 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: NJ

Complaint narrative:
Hard inquiries not recognized by me : XXXX XXXX - XX/XX/XXXX ( TransUnion ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion ), XXXX XXXX - XX/XX/XXXX ( Equifax ), XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ), XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ), XXXX - XX/XX/XXXX ( Experian ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NJ

Complaint narrative:
Hard inquiries not recognized by me : XXXX XXXX - XX/XX/XXXX ( TransUnion ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion ), XXXX XXXX - XX/XX/XXXX ( Equifax ), XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ), XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ), XXXX - XX/XX/XXXX ( Experian ).

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