vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year> I submitted a formal dispute to Equifax concerning an auto loan account that i believe is inaccurately reported and possibly fraudulent- XXXX XXXXXXXX XXXX XXXX XXXX Equifax responded stating the account was verified, but failed to provide any meaningful documentation or method of verification ( MOV ) as required under 611 ( a ) ( 6 ) ( B ) ( iii ).

I requested detailed infomation such as account-level documentation, application materials, proof of original creditor agreement, and identity verification procedures, none of which were provided. Instead, Equifax only confirmed that the item " belongs to me '' and noted minor updates to " Additional information, '' which is inadequate and violates my rights under federal and Texas state law.

This is a violation of : FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a resonable reinvestigation FCRA 609 ( 15 U.S.C. 1681g ) Failure to disclose information in the file Texas Finance Code 392.202-Failure to correct inaccurate information or block disputed items I am requesting that Equifax provide all documentation used to verify the account and remove the item if verification can not be substantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-04 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: Early Warning Services, LLC
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally object to the unlawful reinsertion of information into my consumer report by Early Warning Services following a previously submitted identity theft block request, in accordance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX 2025, I submitted an identity theft report pursuant to FCRA 605B along with a formal complaint filed with the Federal Trade Commission ( FTC ). This documentation identified specific accounts resulting from identity theft, which should have been permanently blocked from reinsertion into my file within four business days, as required by law.

Despite this, the following dispute IDs were subsequently reinserted into my file without any proper notice or certification of accuracy and completeness by the original furnishers, as required under FCRA 611 ( a ) ( 5 ) ( B ) : Dispute ID : XXXX  Dispute ID : XXXX  Dispute ID : XXXX  Dispute ID : XXXX  Upon requesting proof of the required certification of accuracy from Early Warning Services as mandated prior to any reinsertion of previously deleted or blocked data I was informed that Early Warning was unable to provide the requested information. This constitutes a clear violation of FCRA 611 ( a ) ( 5 ) ( B ), which prohibits reinsertion unless : 1. The furnisher certifies the information is complete and accurate, and 2. The consumer is notified in writing within 5 business days of such reinsertion.

Failure to comply with these requirements has been held to be unlawful in several court cases, including : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : The court held that consumer reporting agencies have a duty to go beyond the original source when reinvestigating disputed information.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : The court affirmed liability under the FCRA where the reinsertion of disputed information was done without adequate verification or notice.

Richardson v. Equifax Info. Servs., LLC , No. 3:17-cv-00052, 2017 WL 4530013 ( M.D. Tenn. Oct. 10, 2017 ) : Reinsertion without certification was found to be a violation of both FCRA 605B and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I use XXXX as a measure to monitor all my credit cards, internet, etc. Periodically I receive alerts from XXXX that TransUnion is reporting a negative event on my credit report. XXXX  has put me in touch with TransUnion to rectify this. In XXXX TransUnion updated my credit report by removing any of the names that appeared on my report that were not the legal name that I currently use including any misspelled or previously married names. At that time upon their recommendation I also froze my account. It bears mentioning that each time I have been in touch with TransUnion regarding this matter they repeatedly tell me that none of the creditors that these alerts are showing up with are active on my credit report. However, I am still receiving reports from XXXX that TransUnion is still reporting negative activity.

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 2025-08-04 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a copy of my credit report to find the following item I dont recognize. I have explained the discrepancies of the Account from XXXX XXXX XXXXXXXX with a credit card limit of {$5000.00}. to my records the account you are reporting on this account is unrecognizable. I would like that this be remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: SC

Complaint narrative:
In XXXX, I became aware that my personal information had been compromised in a data breach. Shortly after, I noticed several inaccurate and unauthorized accounts and a dismissed bankruptcy record appearing on my credit reports from all three major credit bureaus.

These entries include multiple charged-off accounts, a repossession, and a XXXX XXXXXXXX bankruptcy that I did not file. The dates of account openings, activity, and defaults do not match my credit history, and I did not authorize these transactions.

Between XXXX and XX/XX/XXXX, I submitted disputes to Experian, Equifax, and TransUnion, requesting the deletion of these accounts under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681e ( b ), which require credit bureaus to investigate and remove unverifiable or inaccurate information.

Despite providing all requested documentation and following proper procedures, the inaccurate information remains on my credit reports, negatively affecting my credit standing.

I am asking the CFPB to assist in having these entries permanently removed, as the data furnishers and credit bureaus have not resolved the disputes or provided sufficient verification within the legally required timeframe.

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 2025-08-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My Bank of America debit card was linked to a money transfer app called XXXX. On XX/XX/XXXX, someone logged in my XXXX account t and transferred total of {$980.00} to a XXXX user account. I immediately reported to Bank of America and XXXX. 
Bank of America was able to credit me {$980.00} but three months later theyve decided to remove {$830.00} from it because they believed the evidence that XXXX provided to them. 
The evidence from XXXX indicates that me personally or I gave someone else authorization to use my card to make the transactions. Furthermore, these transactions were made in XXXX, NJ and using a totally random phone device. According to XXXX, I signed up in XXXX, WA and used XXXX XXXX XXXX. However, they somehow believe its solid reasonable that I made transactions. I further contacted Bank of America to express my disagreements and their resolution number is always unavailable. Ive filed a police report against this criminal activity.

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 2025-08-04 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: CA

Complaint narrative:
My personal information was exposed in the Equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App

( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
received a copy of my credit report to find the following item I dont recognize. I have explained the discrepancies of the Account XXXX XXXX XXXX with a credit card limit of {$8000.00} to my records the account you are reporting on this account is unrecognizable. I would like that this be remove 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 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am writing to complain about a dispute a billing issue that has now escalated to collections for the third time I was never notified by the insurance company either by email or letterof any outstanding balance. Furthermore, during the phone call in which I canceled my policy, I was not informed that my coverage would continue simply because I had not submitted proof of new insurance.

The core of my concern is that I have already disputed this account three times. On two occasions, the item was removed from my credit report, only to be reinserted again a month or two later. This pattern raises serious questions about the accuracy and fairness of the reporting.

I recently contacted the collection agency handling the account, and I was informed that they are unwilling to offer a payment plan, a pay-for-deletion option, or even a settlement for a lesser amount per the company policy. I find this unreasonable and unacceptable, especially given that I do not believe this debt is valid. Also I was not contacted by the debt collection agency I contacted them first once I seen it show up on my credit report twice. I was told two different reasons.

I am requesting a full investigation into this matter and an explanation as to why the item keeps being removed and then re-reported. This cycle is not only distressing but also potentially in violation of my rights under the Fair Credit Reporting Act.

Thank you for your attention to this matter. I look forward to a prompt and fair resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was appointed executor of my mother 's estate, XXXX XXXX on XX/XX/year> by XXXX XXXX XXXX XXXX. I received the proper documents to close my moms existing checking and savings and open up an estate account. I was going to open the estate account with fifth third until I spoke with a very clueless unprofessional male manager at XXXX OH branch and was told I could open am estate account but the checking and savings could not be closed until end of probate. I worked for a bank in XXXX Nebraska and know this was not factual information. I have since opened estate account with my bank XXXX XXXX  and confirmed that Fifth Third is legally responsible to close my moms checking and savings and issue check made out the estate of XXXX XXXX. The fifth third manager needs to be counseled as I already lost my mother and his misinformation and unprofessional behavior has caused me more suffering dealing with my mother 's estate. I spoke to male manager in XX/XX/XXXX at XXXX XXXX. I want this immediately rectified with copies of bank statements sent to Mom 's address from XXXX through closing, and a check made out to XXXX XXXX XXXXXXXX XXXX mailed to her address. I refuse to XXXX XXXX  with clueless XXXX OH manager

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Recovery Service Incorporated
State: CA

Complaint narrative:
A company called ARSI has repeatedly called me at home and at work and have even called my daughter about a debt that I don't know about with them. I would like them to stop calling my workplace and my family harassing them when they have spoken to me and I have expressed that I don't know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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