vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: PR

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and CFPB credit reporting guidelines regarding the reporting of my auto loan account ending in XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX is reporting two different payment histories for the exact same account and months to different credit bureaus. A direct comparison of my Experian and TransUnion credit reports reveals 9 months with conflicting status codes. 

Conflicting Payment History Months XXXX XXXX Experian : 30 days late / TransUnion : OK XX/XX/XXXX Experian : 30 days late / TransUnion : OK XX/XX/XXXX Experian : 30 days late / TransUnion : OK XX/XX/XXXX Experian : OK / TransUnion : 60 days late XX/XX/XXXX Experian : OK / TransUnion : XXXX ( Voluntary Surrender ) XX/XX/XXXX Experian : XXXX / TransUnion : OK XX/XX/XXXX Experian : XXXX / TransUnion : OK XX/XX/XXXX Experian : XXXX / TransUnion : OK XX/XX/XXXX Experian : XXXX / TransUnion : OK Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that they know or should know is inaccurate. Furnishing different payment history statuses for the same months to different credit bureaus is inherently inaccurate and misleading. 

The CFPBs own guidance makes clear that payment history is materially significant in assessing a consumers creditworthiness. Discrepancies of this nature cause direct harm by altering my credit risk profile depending on which bureau is accessed. 

Additional Concerns The continuous reporting of XXXX ( XXXX Surrender ) each month after XX/XX/XXXX suggests ongoing delinquency for a closed account, which is misleading and may constitute unlawful re-aging of the account. 

The Date of First Delinquency ( DOFD ) and removal dates are inconsistent across my reports, further questioning the reliability of the furnishers data. 
THIS ACCOUNT HAS BEEN VERIFIED AND UPDATED RECENTLY AND STILL SHOWING INACCURACIES

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 2025-08-11 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: GA

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app says if you deposit XXXX or more a month you have access to up to XXXX in overdraft coverage. I have well over that deposited monthly because I work XXXX jobs with direct deposit. I previously had XXXX available in over draft and then about XXXX  months ago it dropped to XXXX and has been there for a while. I do frequently have to use it but money is applied back to the overdraft frequently so I have never had an outstanding balance. I literally was using the over draft coverage untill XXXX min ago and I went to transfer money for the overdraft and then notice overdraft feature was just gone while it was still over drafted by XXXX dollars. Now I unexpectedly owed XXXX dollars I did not have without being to use it anymore so it took the last XXXX dollars I did have to pay it. They could at least notify a person that after the overdraft is paid they would loose access. Also should not promote overdraft is available for up to XXXX with XXXX or more a month in deposits. They unfairly removed it from my account for literally no reason. Also they promote false advertisement. There was no notice it was being taken away. I have at least XXXX or more each month in deposits, I always pay the over draft back within a day. I will be switching my direct deposit somewhere else asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally dispute inaccurate and improperly reported information contained in my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 et seq. This letter also serves as formal notice of potential civil liability under 1681n and 1681o for negligence and non-compliance with your obligations under the Act Under the FCRA, you are required to ensure the maximum possible accuracy of the information you report ( 1681e ( b ) ), and upon notification of a dispute, you are required to conduct a reasonable investigation ( 1681i ( a ) ) and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Despite previous efforts to resolve this matter, I have not received a satisfactory response, nor have you corrected the erroneous information. This failure to comply with your legal obligations constitutes negligence under 1681o and may also rise to the level of willful noncompliance under 1681n, which exposes you to civil liability including Actual damages Statutory damages ( up to {$1000.00} ) Punitive damages ( for willful noncompliance ) Attorneys ' fees and court costs I demand that you immediately investigate this matter and provide written confirmation of the outcome 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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
cash app has a section in Taxes that allow you to report your winnings and losses the internet has online gambling 24/7 so why was I violated and my cash app removed from service.cash app is almost my primary Bank and would be if they accepted ACH from my online college  im attending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This is my second attempt to clear up this issue. Caine and Weiner is reporting inaccurate information on my credit report. I have spoken to the company on multiple occasions to discuss the problem. They stated that I dont owe anything and account will be removed from my credit profile but its still there. Caine and Weiner responded to my last dispute but failed to say what actions were taken other than account been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: NM

Complaint narrative:
XX/XX/year> Sent email to XXXX XX/XX/year> Wife Called Customer Service, stated we weren't having issues & tried closing the case, but wife was persistant & they " escalated the case ''. 
XX/XX/year> Re-emailed Customer Service, showing the problems that we are having with this XX/XX/XXXXwith attachments as proof. 
XX/XX/year> received Read Receipt that XXXX Customer service opened & read the email. 
XX/XX/year> XXXX called Me, stated that they could not do anything for me, but they would escalate the issue, pushing to just close the case. 
XX/XX/year> XXXX called wife, & told her the same thing they told me, stating that since we are not having any " problems '' then they are closing the case. 
XX/XX/year> Emailed Customer Service requesting all documentation that I asked for over the phone ( Signed Sales Agreement, Signed Finance Agreement, warranty docs, & Service or maintenance agreements )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NC

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MD

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX - XXXX Balance Owed : {$690.00} XXXX XXXXXXXX - XXXX Balance Owed : {$3100.00} XXXX XXXX - XXXX Balance Owed : {$65.00} XXXX XXXX - XXXX Balance Owed : {$1600.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX - XXXX Balance Owed : {$1700.00} XXXX - XXXX Balance Owed : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MD

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX - XXXX Balance Owed : {$690.00} XXXX XXXXXXXX - XXXX Balance Owed : {$3100.00} XXXX XXXX - XXXX Balance Owed : {$65.00} XXXX XXXX - XXXX Balance Owed : {$1600.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX - XXXX Balance Owed : {$1700.00} XXXX - XXXX Balance Owed : {$2800.00}

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 2025-08-11 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: MD

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXXXXXX - XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-11 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: NJ

Complaint narrative:
In reviewing my credit reports, I found that XXXXXXXX XXXX  is reporting inaccurate and unverifiable information. This account was closed in XXXX, but Equifax is reporting activity in XXXX, which constitutes account re-aging and is prohibited under the Fair Credit Reporting Act ( FCRA ). There are also discrepancies among the credit bureaus regarding the date of last activity, account status, and balance, meaning the information can not be verified as accurate.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting data they know or should know is inaccurate. Under FCRA 611 ( a ), the credit bureaus must delete any information that can not be verified. I am requesting the immediate deletion of this account from all credit bureaus.

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 2025-08-11 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: AZ

Complaint narrative:
I am filing this complaint to address an inaccurate late payment entry that has been reported on my credit file. I have always made timely payments on this account, and the current reporting is factually incorrect. This error is causing unjust harm to my creditworthiness.

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 2025-08-11 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report contains an unauthorized account that I never opened, applied for, or approved. I have no connection with the creditor reporting this account, and no signed agreement or transaction exists to justify its presence. This is a fraudulent entry that is harming my credit profile and personal reputation.

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 2025-08-11 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: CO

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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