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

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

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 2025-06-06 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: MO

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

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 2025-06-06 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX pattern of fraudulent, misleading, and discriminatory conduct that directly led to my taking on federal student loans under false pretenses. This includes : The institution returned tuition payments for a semester while misrepresenting that I had already paid, creating confusion about my enrollment and financial standing. 


The university promised full credit transferability, which proved to be false, significantly impacting my academic progress and resulting in unnecessary financial aid dependency. 
I was subjected to racial discrimination and systemic inequity, including hostile academic advising, denial of services, and exclusion from educational opportunities. 


The institution made deceptive and misleading statements about the program, its value, and its financial aid process, all of which induced me into loan obligations I would not have otherwise accepted. 


My FERPA rights were violated when I was denied access to my educational records and communication files necessary to verify the institutions representations.

Furthermore, the university failed to disclose existing racial disparities and discriminatory practices that materially affected my academic experience and future opportunities, and would have influenced my decision to enroll had they been properly disclosed.

These actions constitute : Substantial misrepresentation of educational services and policies, Breach of contract and student agreement, Deceptive business practices and consumer fraud, Failure to disclose material facts, And denial of educational access based on race and status, in violation of both federal civil rights law and the Borrower Defense framework.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX pattern of fraudulent, misleading, and discriminatory conduct that directly led to my taking on federal student loans under false pretenses. This includes : The institution returned tuition payments for a semester while misrepresenting that I had already paid, creating confusion about my enrollment and financial standing. 


The university promised full credit transferability, which proved to be false, significantly impacting my academic progress and resulting in unnecessary financial aid dependency.

I was subjected to racial discrimination and systemic inequity, including hostile academic advising, denial of services, and exclusion from educational opportunities.

The institution made deceptive and misleading statements about the program, its value, and its financial aid process, all of which induced me into loan obligations I would not have otherwise accepted.

My FERPA rights were violated when I was denied access to my educational records and communication files necessary to verify the institutions representations.

Furthermore, the university failed to disclose existing racial disparities and discriminatory practices that materially affected my academic experience and future opportunities, and would have influenced my decision to enroll had they been properly disclosed.

These actions constitute : Substantial misrepresentation of educational services and policies, Breach of contract and student agreement, Deceptive business practices and consumer fraud, Failure to disclose material facts, And denial of educational access based on race and status, in violation of both federal civil rights law and the Borrower Defense framework.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX pattern of fraudulent, misleading, and discriminatory conduct that directly led to my taking on federal student loans under false pretenses. This includes : The institution returned tuition payments for a semester while misrepresenting that I had already paid, creating confusion about my enrollment and financial standing.

The university promised full credit transferability, which proved to be false, significantly impacting my academic progress and resulting in unnecessary financial aid dependency.

I was subjected to racial discrimination and systemic inequity, including hostile academic advising, denial of services, and exclusion from educational opportunities.

The institution made deceptive and misleading statements about the program, its value, and its financial aid process, all of which induced me into loan obligations I would not have otherwise accepted.

My FERPA rights were violated when I was denied access to my educational records and communication files necessary to verify the institutions representations.

Furthermore, the university failed to disclose existing racial disparities and discriminatory practices that materially affected my academic experience and future opportunities, and would have influenced my decision to enroll had they been properly disclosed.

These actions constitute : Substantial misrepresentation of educational services and policies, Breach of contract and student agreement, Deceptive business practices and consumer fraud, Failure to disclose material facts, And denial of educational access based on race and status, in violation of both federal civil rights law and the Borrower Defense framework.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
Multiple scams on Cashapp : {$20.00} to XXXX XXXX on XX/XX/XXXX {$200.00} total to XXXX XXXX XXXX on XX/XX/XXXX {$80.00} total to XXXX XXXX on XX/XX/XXXX {$20.00} to XXXX XXXX on XX/XX/XXXX {$30.00} worth of XXXX purchased on XX/XX/XXXX {$22.00} worth of XXXX sent on XX/XX/XXXX I have continued to file reports on Cashapp and they keep telling me that they can not refund me as these are " peer to peer '' transactions. I have proof showing that these were scams. I would greatly appreciate being refunded so this doesn't have to go to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX, XXXX, XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 

2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. TransUnion XXXX XXXX has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : 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 TX XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
In XX/XX/year>, Alliant Credit Union erroneously reversed a mortgage payment I had made, debiting the funds back into my account without my knowledge or authorization. Alliant has since acknowledged that this was a system error on their part and confirmed that the transaction should not have been reversed. 

As a direct result of this mistake, I received a XXXX late payment mark on my credit reportdespite having made the payment on time and in good faith. This negative mark has caused significant harm to me and my family by substantially lowering my credit score. It has impaired my ability to obtain essential financial products, including personal loans, a home equity line of credit, and vehicle financing. 

Given that the error was solely due to Alliant Credit Unions internal processing failure, I request that this late payment be promptly removed from my credit report. I also urge a full investigation into how this error occurred and steps to ensure it does not affect other consumers in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I became aware of this account freeze on XX/XX/year>, and since then, I have been unable to access my funds or conduct any transactions. 
I understand that the account freeze may be due to a security review or suspected unauthorized activity related to a check deposit. On * * XX/XX/year> * *, I deposited a check for * * {$3000.00} * * into my account via ATM. This check was legitimately endorsed to me by * * XXXX XXXX * *, a family friend. XXXX XXXX was the original payee and endorsed the check over to me because he was unable to cash it himself due to a lost ID and concerns regarding his immigration status. As per standard legal and financial protocol, an endorsement transfers the funds to the intended recipient, which in this case was me. I assure you that this transaction was * * legitimate and authorized * *, and proper endorsement procedures were followed by both parties.I have already attempted to assist XXXX XXXX in verifying his identity with Chase, using a phone number provided by a branch manager. Unfortunately, despite * * five attempts * *, your system was unable to properly identify him. I understand he does not have a current ID or Social Security XXXX,. I was also informed by my online account that I may need to verify my own identity, which was already done. 
This matter has been ongoing since the 10-day hold was placed on XX/XX/XXXX, and the account freeze on XX/XX/XXXX. While my account balance appears correct, I am unable to access my funds. Recently my account was closed! I was told by a representative when I called that my account was permanently closed and that I would receive a check with my current balance in 3- 7 business days. I been to the branch as well and I was told that XXXX still had to verify his identity. Now this is frustrating issue for myself since he is making me liable for the funds that the bank won't release it is ridiculous that I'm getting to different versions of what will take place! This is unethical and needs to be addressed. Chase cashed the check and made funds available then froze my account they need to verify the check with bank and attorney that issued such check and stop withholding the funds this feels like theft on there end. 

Please advise me immediately on the specific steps necessary I look forward to your prompt response and a swift resolution to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Sometime towards the end of 2023, Comenity Capital Bank purchased Dell Pay Credit. 

Previously, I had automatic payments with Dell Pay Credit, and had no missed payments. 

After the purchase, I received an email from Comenity informing me of the changes, informing me that I would be receiving a letter from them with my account number, which I would then be able to sign up for online, and set up payments. 

I never received the letter, and later got a call from them stating that I had a missed payment, so I paid over the phone, and requested my account number so I could set up automatic payments. They refused to provide my account number over the phone, and instead " sent '' another letter in the mail. 

I never received the letter and the following month got another call for a missed payment, I made my payment over the phone, and requested another letter. 

This process repeated, I do not have my account number. I want to make payments, but I don't want to do it late every month after receiving a phone call, I still have no received my letter with my account number allowing me to make payments online.

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

Complaint narrative:
The. XXXX account has inacurate information account must be Deleted

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 2025-06-06 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: TX

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : 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 TX XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  XXXX  Date : XX/XX/year>

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 2025-06-07 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-06-06 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: FL

Complaint narrative:
I am formally requesting the immediate deletion of the following closed and derogatory account from my credit report with Equifax. 
The account is reporting inaccurate, incomplete, and unverifiable information, which violates my rights under the Fair Credit Reporting Act ( FCRA ) 609 ( a ), 611, and 623. 
I previously requested verification and documentation for the account including a signed contract and full payment records which have not been provided as required by law. 
Because the account remain unverifiable and inaccurate, I demand that it be immediately removed from my credit report. 
Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX I request written confirmation of removal within XXXX business days.

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