vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I applied for a mortgage prequalification with Community Bank , N.A . through loan XXXX XXXX XXXX XXXX. As part of the application process, a hard inquiry was made on my credit report. 

After the inquiry, I attempted multiple times to follow up with XXXX XXXX to obtain the results of my prequalification. My emails dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX show that I reached out repeatedly to schedule a meeting or request the results by email. While XXXX XXXX initially responded with an appointment offer, there was a miscommunication regarding the scheduling, and I did not receive confirmation. Despite my continued attempts to clarify and reschedule, I did not receive the prequalification results. 

I am concerned that Community Bank initiated a hard inquiry on my credit without providing me with the outcome of the application or timely communication. This has negatively impacted my credit score and left me without the information needed to proceed with the mortgage process. 

I have attached the full email correspondence as evidence of my attempts to communicate and the lack of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-21 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I was sent {$300.00} in Cashapp, did an instant withdrawal to my XXXX debit card and never received the funds. I paid a {$5.00} instant transfer fee, which was refunded, but I have yet to see the {$290.00} I attempted to withdraw. I submitted XXXX support investigation requests ( XXXX on XX/XX/XXXX and XXXX on XXXX ) and a complaint but my issue still hasnt been resolved. I have spoken to XXXX different Cashapp managers that promised to investigate my claim and told me it was being escalated, but instead of this I've gotten the same answers and have been asked to submit the same information. I've been bounced around between Cashapp and my bank ( XXXX, partnered with XXXX XXXX XXXX XXXX, who has confirmed with me several times that no deposits have been sent to my account, for the past month. Cashapp is legally required to provide me with a provisional credit for the amount in question ( {$290.00} ) while they investigate my issue but has refused to do so. They keep telling me the payment can't be reversed and haven't offered to do a XXXX ID trace or even communicated with my bank. I'm very disappointed that a multibillion dollar company can't even provisionally credit a few XXXX dollars to a customer when the onus is on them to resolve an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I am writing your department again about the Fraudulent use of my social security number. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX as well as a police report. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The Fraudulent accounts listed below are only on Transunion and no other bureau. They were removed from XXXX XXXX XXXX XXXX. Transunion is not in complaince with the other credit bureaus. I am very concerned about the validity and accuracy of there recent investigation made on of these accounts that are reporting fraudulently on my credit report. Last month ( XX/XX/year> ) I requested an investigation because I felt the item was not being reported legally. A Couple of days ago ( XXXX ) I received an email stating that your investigation was complete. Please explain to me how they conducted the investigation! XXXXPlease explain to me what representatives uncovered to lead them to believe that they are reporting these items legally? XXXXWhat certified documents were reviewed to conclude there investigation XXXX. XXXX. Did they speak directly to any agent of the company that was reporting the information to confirm the accuracy of what they are reporting? I am listing below again the accounts that are a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-21 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 non-monetary relief
Consumer complaint received 2025-11-21 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I previously disputed the following inaccurate items on my credit report, and the bureau failed to conduct a reasonable reinvestigation under FCRA 611. Despite providing full identity verification and supporting documentation, including my ID, proof of address, and if applicable, an FTC Identity Theft Report, the bureau either verified the items without proof or failed to correct them. These items remain inaccurate and/or the result of identity theft connected to a data breach. 
Items in Dispute : XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B. 
XXXX. XXXX XXXX - XXXX - Identity theft please block and delete under FCRA 605B. 
XXXX XXXX XXXX XXXX XXXXXXXX - Identity theft please block and delete under FCRA 605B. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft please block and delete under FCRA XXXX. 
XXXX. DISCOVER PL - XXXX - Identity theft please block and delete under FCRA 605B. 
XXXX. XXXX - XX/XX/XXXX - XXXX did not authorize this inquiry. Please remove it from my credit report. 
XXXX. XXXX - XX/XX/XXXX - XXXX did not authorize this inquiry. Please remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit report. 
XXXX. XXXX - XX/XX/XXXX - XXXX did not authorize this inquiry. Please remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - I did not authorize this inquiry. Please remove it 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 2025-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My XXXX XXXX credit card was closed after the company filed for bankruptcy, and the account portal has been a mess ever since. Key features still arent functional, yet Im being held responsible for knowing that interest wasnt included in my statement balance. Ive been trying to get this corrected for XXXX weeks. It finally got fixed today, and now Im being told a late fee is valid because I didnt formally dispute the interest charge even though I did dispute it by emailing the Office of the President. I only received XXXX voicemail and never got any written response or resolution. 

I shouldnt be penalized with a late fee for an issue I was actively trying to resolve, especially when the companys own system limitations and communication failures caused the delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 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: MO

Complaint narrative:
I am a consumer working to improve my credit, and I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate information currently being reported on my credit report. Below are the details of the disputed items for your investigation. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I dispute the accuracy of this inquiry. I do not recall authorizing this credit inquiry and request verification of its legitimacy. 

Late Payments XXXX Account XXXX : XXXX I dispute the accuracy of the reported late payment. I believe this payment history is incorrect and request a review for removal. 

XXXX Account XXXX : XXXX I dispute the accuracy of the reported late payment. I believe this payment history is incorrect and request a review for removal.

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 2025-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
During the HELOC application process, Pentagon Federal reviewed my insurance coverage - both flood and homeowner. This issue is involving the flood insurance.

After adding their information as lien-holder to my flood policy, Penfed then asked for the the coverage amount has to be at least the amount of the loan, which is $ XXXX. This was an email notification on XX/XX/XXXX. 

I took care of it immediately and contacted XXXX XXXX to adjust my EXISTING POLICY to increase it from $ XXXX to $ XXXX. I had to pay a {$9.00} prorated fee which I also did on the spot. The policy term itself is XX/XX/XXXX to XX/XX/XXXX. 

All of these actions took effect before the loan could be approved, and well before it took effect. There was a delay in the system showing the change, which XXXX warned me about, but they were able to show that the adjustment was made. I sent the evidence to Penfed. 

The loan was approved and took effect approximately XX/XX/XXXX ( plus or minus a day or XXXX ). 

Since then, at least once a month, I get a letter from Penfed " Subject : Lapse in flood gap coverage '', Lapse dates : XXXX. They charge my escrow {$3.00} for Lender-provided email. 

Please review the effective dates of my policy above and that any changes were done BEFORE the loan took effect. 

The letter instructs me to provide a copy of my policy XXXX of XXXX ways : online, email, and mail. I've used online and email. I've called. I've had XXXX XXXX reps call. I've done this several times now. 

Penfed sent me notification in writing that my flood insurance is updated and there is nothing more for me to do. 

The only issue that I see is the loan number listed on the declaration doesn't match the loan number on the letter. I'm not sure how that would cause a complete gap in coverage. 

Today I received yet another letter stating there is a gap for those dates and that Lender-placed insurance was charged to my account in the amount of {$3.00}. 

Unfortunately I used my HELOC to coverage projects on my property as well as money during the furlough, otherwise I'd close the account. 

Hopefully they will not keep charging me {$3.00} for the same XXXX weeks every month.

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 monetary relief
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-21 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 disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I exercised my rights under FCRA Sections 609 and 611 by requesting full verification of multiple closed accounts reported by [ Experian/Equifax/TransUnion ] . The bureau responded verified but failed to provide documentation bearing my signature authorizing continued reporting of these accounts. This constitutes noncompliance with the Fair Credit Reporting Act. 



The closed accounts include : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Despite my disputes, these accounts remain inaccurately reported. I request immediate deletion of these closed accounts and a compliance review of the bureaus investigation process.

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 2025-11-21 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: TX

Complaint narrative:
I exercised my rights under FCRA Sections 609 and 611 by requesting full verification of multiple closed accounts reported by [ Experian/Equifax/TransUnion ] . The bureau responded verified but failed to provide documentation bearing my signature authorizing continued reporting of these accounts. This constitutes noncompliance with the Fair Credit Reporting Act. 



The closed accounts include : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Despite my disputes, these accounts remain inaccurately reported. I request immediate deletion of these closed accounts and a compliance review of the bureaus investigation process.

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