vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica

Complaint narrative:
On XX/XX/year> my account was frozen it took me two days to get in touch with someone to ask about my account they told me to send proof of identity because of fraudulent act on my account no other information was given that was on XX/XX/year> I told the all I had to verify my identity was my debit card from them and my Medicaid card and my Mississippi insurance card I was told to submit those my email and I would get a mail for information on when my account would be unfrozen after waiting most of the day I call back and was told that those documents would not work that could connect or go to my social security office and they could pull my money back off of the card issued by XXXX XXXX, so I did so and was told that social security could not do so, still trying to get my money back!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: FL

Complaint narrative:
Checkr the background check company has gotten me fired and also made me not get jobs because of the incorrect information they provided on my background check. I have told them it was correct and also supplied them with the supporting documents but it still hasn't been fixed months later and anyway nothing that they sent shouldn't have not qualified me for the jobs but checkr put considerer on my background check in red which really means they shouldn't hire me. Most of all they said i had a Unpaid traffic tickets and i don't then they posted i had a accident from XX/XX/year> which isn't on my driving record. They even put a vision test that i passed on my background check but the way they put it was as if i didn't pass my vision test. They just got sued for this same thing how are they doing it again? They also said i had Unpaid tickets but in the background check it show when i paid it. It say date resolved so i don't get how a Background check company can't correctly read a background report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a formal complaint against Equifax for reporting inaccurate, outdated, and unverifiable information on my credit report in violation of the FCRA ( Fair Credit Reporting Act ) and FDCPA ( Fair Debt Collection Practices Act ). I have submitted multiple disputes regarding fraudulent and obsolete accounts that do not belong to me, contain re-aged data, or were reported without permissible purpose. 

Equifax has failed to conduct a proper investigation within 30 days and continues to report accounts that violate 15 U.S.C. 1681i ( failure to reinvestigate ), 1681e ( b ) ( failure to assure maximum accuracy ), and 1692e ( false/misleading representation ). Some of the accounts were opened or reported due to identity theft, unauthorized use, or were settled/closed years ago and should no longer appear. 

I am also seeing incorrect personal information such as outdated addresses, phone numbers, and employer listings. Ive attached my FTC Identity Theft Report, supporting documents, and proof of these issues. 

I am demanding that Equifax immediately delete the inaccurate and unverifiable information, correct my personal information, and issue me an updated, accurate credit report. Failure to do so will result in further legal and regulatory action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
INFORMATION STOLEN IN DATA BREACH RESULTING IN THIS DEBT Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i Under this statute, I have the right to dispute any information on my credit file that I believe to be incomplete or inaccurate. The credit reporting agency and the furnisher are legally required to conduct a reasonable investigation and delete any unverifiable or incorrect information within 30 days.

FCRA, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not report information that they know or have reasonable cause to believe is inaccurate. 

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 It is unlawful for financial entities to engage in unfair, deceptive, or abusive acts or practices ( UDAAP ), which includes misreporting or failing to correct inaccurate credit data after being informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I looked at my credit report this morning, I was surprised to see some incorrect accounts that werent there before. I check my report often, but this time, something seemed off. I even refreshed the site to rule out a glitch, but nothing changed. Due to this problem, Im requesting a thorough check of the documents Ive sent so I dont have to deal with this stress again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is a formal and urgent demand to remove a fraudulent account ending in XXXX, which was allegedly opened on XX/XX/year>, using my personal information without my knowledge or consent. 

Lets be absolutely clear : I did not open this account. I did not apply for this account. I did not authorize this account. 

The creditor claims statements were sent to my address. That is false. I live in a multi-unit building and my correct address is Unit XXXX. XXXX sent without that unit number does not reach me. I never received any paper statements. On top of that, you claim someone enrolled in paperless billing using XXXX this is not my email, never has been, and never will be. The phone number tied to this account is also completely inaccurate and not associated with me. 

I demand immediate and complete action : 1. Produce the original instrument of indebtedness not a digital document, not a screenshot the original, signed contract in its physical, original form.

This must include a wet-ink signature.

An electronic signature is unacceptable and could have been submitted by anyone.

2. The original instrument of indebtedness must be delivered to me ( not a typo the date stands ). If this can not be produced, you have no legal basis to claim this debt or report it.

3. If you fail to produce the original signed document, this account must be : Deleted from all consumer reporting agencies ( CRAs ) immediately, All collection activity must cease permanently, and Written confirmation of these actions must be sent to me.

This is your only warning. If this issue is not resolved in full, I will : File complaints against your institution for FCRA violations and fraudulent reporting ; Seek civil and/or legal remedies for continued harm to my credit and reputation ; Request CFPB oversight of your noncompliance.

You are reporting a fraudulent, unauthorized account. You can not prove that I owe a debt because I do not. The burden of proof is on you. If you can not produce the original signed agreement, this account must be removed immediately.

I expect a full written response within 10 calendar days no stalling, no vague updates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is a formal and urgent demand to remove a fraudulent account ending in XXXX, which was allegedly opened on XX/XX/year>, using my personal information without my knowledge or consent. 

Lets be absolutely clear : I did not open this account. I did not apply for this account. I did not authorize this account. 

The creditor claims statements were sent to my address. That is false. I live in a multi-unit building and my correct address is Unit XXXX. XXXX sent without that unit number does not reach me. I never received any paper statements. On top of that, you claim someone enrolled in paperless billing using XXXX this is not my email, never has been, and never will be. The phone number tied to this account is also completely inaccurate and not associated with me. 

I demand immediate and complete action : 1. Produce the original instrument of indebtedness not a digital document, not a screenshot the original, signed contract in its physical, original form.

This must include a wet-ink signature.

An electronic signature is unacceptable and could have been submitted by anyone.

2. The original instrument of indebtedness must be delivered to me ( not a typo the date stands ). If this can not be produced, you have no legal basis to claim this debt or report it.

3. If you fail to produce the original signed document, this account must be : Deleted from all consumer reporting agencies ( CRAs ) immediately, All collection activity must cease permanently, and Written confirmation of these actions must be sent to me.

This is your only warning. If this issue is not resolved in full, I will : File complaints against your institution for FCRA violations and fraudulent reporting ; Seek civil and/or legal remedies for continued harm to my credit and reputation ; Request CFPB oversight of your noncompliance.

You are reporting a fraudulent, unauthorized account. You can not prove that I owe a debt because I do not. The burden of proof is on you. If you can not produce the original signed agreement, this account must be removed immediately.

I expect a full written response within 10 calendar days no stalling, no vague updates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Let me be absolutely clear this complaint is not a mistake. My credit report contains serious inaccuracies that fall far short of the standard of maximum possible accuracy required by law. These errors are having a significant and ongoing negative impact on my life. 

I am dealing with real consequences, and the emotional and financial strain is substantial. I am demanding that these inaccuracies be thoroughly corrected or removed without further delay. Prompt resolution is not just helpful it is essential.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnions inaction violates federal law and my rights as a consumer. These are the accounts Ive marked as inaccurate, DPT EDXXXX, 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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX XXXX at XXXX XXXXXXXX XXXX XXXX {$200.00} Bitcoin offer APPLIED I never authorized this transaction I have an email from them stating they do not accept Cash App, and I was told that the gentleman was no longer employed with them. I reached out to Cash App, SENT them everything, including email, and my dispute was denied, but they sent the problem to a higher up, yet no response XX/XX/year> at XXXX XXXX XXXX My savings was {$170.00}, never showed up in my account when I reached out to Cash App, i was denied and was told never was a trasaction.

when I kept reaching out sending proof, they stopped responding, and next, my account closed they couldn't even give me a valid reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, XXXX XXXX XXXX are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation