vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a check for approximately {$22000.00} to us bank, they put a XXXX  day hold on the check without telling beforehand. I needed this money and they have not given me any part of the money as I am writing this on the XXXX, I believe they are supposed to give me a portion of the check.

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 2025-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Contacted XX/XX/year> by email from their company & letter mailed via usps by me. Never heard of this debt before. 

Subject : Unverified Medical Debt and Unauthorized Email Contact by Medical Data Systems What happened : I was contacted by Medical Data Systems ( MDS ) via unsolicited email about an alleged medical debt totaling {$5200.00}, supposedly from XXXX XXXX XXXX XXXX. I have no record or knowledge of this medical debt, was never contacted by the original provider, and did not authorize this company to contact me. 

Because this is medical debt, I am especially concerned that no itemized bill, HIPAA-compliant documentation, or proof of liability has been provided. I also did not authorize any email communication and do not know how this company acquired my private contact information.

What I want : Full validation of the medical debt, including billing details and HIPAA-compliant authorization Confirmation this debt has not been reported to credit bureaus without proper notice and documentation Investigation into the source of my email address and how they obtained my personal data A halt to all collection activity until legal validation is received Company Info : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting this formal complaint to dispute a number of inquiries that appear on my TransUnion credit report, which I firmly believe were either made without my direct authorization or inaccurately recorded in violation of the Fair Credit Reporting Act ( FCRA ). The inquiries at issue are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ). 

I did not apply for credit with these companies on or near the dates indicated, nor did I authorize these parties to access my credit report. As such, I am asserting that these companies did not have a permissible purpose under 15 U.S.C. 1681b of the FCRA to obtain my credit information. Furthermore, under 15 U.S.C. 1681e ( a ), TransUnion has a legal obligation to maintain reasonable procedures to ensure that only entities with a valid and documented reason may access a consumers credit file.

The presence of these inquiries is not only misleading but also damaging to my credit profile. Hard inquiries such as these lower my credit score and misrepresent my financial behaviorsuggesting I am applying for multiple lines of credit when I am not. This can unjustly impact my eligibility for credit, loans, housing, or favorable interest rates. I believe these entries are either fraudulent, erroneously associated with my file due to a system error, or conducted without my knowledge, thereby breaching my consumer rights under federal 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 non-monetary relief
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: DE

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-06-18 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
In anticipation of federal student loan repayment resuming in XX/XX/XXXX, I made a payment to my loan servicer, XXXX, in XXXX of XXXX and again during the first week of XX/XX/XXXX. The payment was acknowledged and accepted by XXXX ; however, I was informed it could take up to 90 days for the payment to be applied to my account. 

Throughout XX/XX/XXXX, I contacted XXXX multiple times to express concern that this delay was unreasonable and unfair, particularly since the payment had been made on time and was not under dispute. Despite these efforts, XXXX continued to report my account as delinquent and/or derogatory to the credit reporting agencies. 

In XX/XX/XXXX, XXXX notified me via email that the payments made in May had been retroactively applied. However, when I requested that they update the reported status with the credit bureaus to reflect the accurate, timely payments, I was informed they would not do so. Their stated reason was that accommodations were only available to borrowers who were active-duty military, enrolled in qualifying federal programs ( e.g., XXXX, XXXX ), or currently enrolled in school. 

I reiterated that this was not a case of hardship or eligibility for special programsthis was a timely payment that was not properly applied by the servicer. The delay was on their end, and I am now being penalized with inaccurate credit reporting as a result. 

I am attaching proof of payment submitted as early as XX/XX/XXXX ( which was rejected by the institution ) and again in XX/XX/XXXX ( marked as Pending institution action ), along with screenshots from email correspondence where the servicer acknowledged retroactively applying the payments but refused to update the credit reporting. Also included is confirmation of a second overpayment made in XX/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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In anticipation of federal student loan repayment resuming in XX/XX/XXXX, I made a payment to my loan servicer, XXXX, in XXXX of XXXX and again during the first week of XX/XX/XXXX. The payment was acknowledged and accepted by XXXX ; however, I was informed it could take up to XXXX  days for the payment to be applied to my account. 

Throughout XX/XX/XXXX, I contacted XXXX multiple times to express concern that this delay was unreasonable and unfair, particularly since the payment had been made on time and was not under dispute. Despite these efforts, XXXX continued to report my account as delinquent and/or derogatory to the credit reporting agencies. 

In XX/XX/XXXX, XXXX notified me via email that the payments made in May had been retroactively applied. However, when I requested that they update the reported status with the credit bureaus to reflect the accurate, timely payments, I was informed they would not do so. Their stated reason was that accommodations were only available to borrowers who were active-duty military, enrolled in qualifying federal programs ( e.g., XXXX, XXXX ), or currently enrolled in school. 

I reiterated that this was not a case of hardship or eligibility for special programsthis was a timely payment that was not properly applied by the servicer. The delay was on their end, and I am now being penalized with inaccurate credit reporting as a result. 

I am attaching proof of payment submitted as early as XX/XX/XXXX ( which was rejected by the institution ) and again in XX/XX/XXXX ( marked as Pending institution action ), along with screenshots from email correspondence where the servicer acknowledged retroactively applying the payments but refused to update the credit reporting. Also included is confirmation of a second overpayment made in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
In anticipation of federal student loan repayment resuming in XX/XX/XXXX, I made a payment to my loan servicer, XXXX, in XXXX of XXXX and again during the first week of XX/XX/XXXX. The payment was acknowledged and accepted by XXXX ; however, I was informed it could take up to 90 days for the payment to be applied to my account. 

Throughout XX/XX/XXXX, I contacted XXXX multiple times to express concern that this delay was unreasonable and unfair, particularly since the payment had been made on time and was not under dispute. Despite these efforts, XXXX continued to report my account as delinquent and/or derogatory to the credit reporting agencies. 

In XX/XX/XXXX, XXXX notified me via email that the payments made in May had been retroactively applied. However, when I requested that they update the reported status with the credit bureaus to reflect the accurate, timely payments, I was informed they would not do so. Their stated reason was that accommodations were only available to borrowers who were active-duty military, enrolled in qualifying federal programs ( e.g., XXXX, XXXX ), or currently enrolled in school. 

I reiterated that this was not a case of hardship or eligibility for special programsthis was a timely payment that was not properly applied by the servicer. The delay was on their end, and I am now being penalized with inaccurate credit reporting as a result. 

I am attaching proof of payment submitted as early as XX/XX/XXXX ( which was rejected by the institution ) and again in XX/XX/XXXX ( marked as Pending institution action ), along with screenshots from email correspondence where the servicer acknowledged retroactively applying the payments but refused to update the credit reporting. Also included is confirmation of a second overpayment made in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
From a milestone cc and halsted financial are calling and texting profusely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-06-18 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-18 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mnet Financial Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, while I was in XXXX XXXX XXXX I went to an in-network urgent care and got referred to a hospital. My insurance at the time was through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and all the providers I saw were in-network. 

A few months later, in XX/XX/XXXX, I paid off everything I owed based on my insurances Explanation of Benefits ( EOB ). That included charges from : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX But then out of nowhere, I got a bill from XXXX XXXX XXXX for {$2800.00} and they eventually sent it to a collections agency called Mnet Financials. The strange thing is, XXXX XXXX has never appeared on any of my EOBs, and I dont even know what this charge is for. 

Ive tried to resolve this by asking both XXXX and Mnet for an itemized bill, proof of services, and confirmation that they even sent this to my insurance. I also filed a XXXX  complaint, and XXXX never responded. 

I am disputing this debt because it appears inaccurate, unsubstantiated, and potentially invalid.

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 2025-06-18 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
After years of doing business with Square , Inc., our company a well-established helicopter service with many loyal, repeat customers had our account suddenly deactivated without explanation following a routine account review.

To make matters worse, Square has been withholding over {$10000.00} of our funds for multiple weeks, which we rely on to operate. We've tried every way possible to get support, but we no longer have the option to reach a human ( phone calls go to an automated recording ), and emails to Square support are going unanswered.

This is completely unprofessional and unacceptable, especially for a small business that trusted Square as a payment processor for years. The lack of transparency and total communication blackout is shocking.

We are filing complaints with the XXXX, CFPB, and contacting our attorney next.

If you're a small business using Square, consider this a warning they can cut you off without notice or recourse, and freeze your money indefinitely.

Company response to consumer: Closed with explanation