vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: IN

Complaint narrative:
I am formally disputing the presence of accounts reported under my name without my knowledge, consent, or authorization. I have never opened, managed, or approved these accounts, and their appearance on my credit report is completely inaccurate and misleading. 

This false reporting is unacceptable and misrepresents my financial history, which I take very seriously. The presence of these unauthorized accounts is causing substantial harm to my credit profile and creating significant personal and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: IN

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to both my credit and credit score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed ; however, they still remain. This continued failure to act is unacceptable. 

The presence of these potentially fraudulent entries raises serious concerns about identity theft and is causing ongoing emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MA

Complaint narrative:
A complaint was filed on XX/XX/year>, and there has been no communication or resolution as of XX/XX/year>.

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 2025-07-24 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: SD

Complaint narrative:
I was recently notified of several accounts at the same financial institution that are not mine and I have never done business with this establishment. The first account looks like a credit card opened on XX/XX/XXXX of XXXX and has a balance of {$10000.00}, The second account seems to be a loan account opened on XX/XX/XXXX of XXXX and has a total balance of {$51000.00}, Third account is a loan account opened XX/XX/XXXX of XXXX and had a total balance of {$13000.00}, Fourth account is a loan opened XX/XX/XXXX of XXXX and the highest balance was {$6500.00}, Fifth account was opened on XX/XX/XXXX of XXXX and the highest balance was {$7500.00}. There are also XXXX hard inquiries on my report that are not mine these include XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX  dated XX/XX/XXXX, XXXX XXXX  dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX and XXXX XXXX dated 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 2025-07-24 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: VA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my 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 explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OH

Complaint narrative:
My Cash App account was recently closed, and I was told I am no longer allowed to use their services. My case number is XXXX. 

I have repeatedly requested, in writing, that Cash App confirm whether their decision to close my account was based, in whole or in part, on information obtained from a consumer reporting agency, fraud prevention database, or any third party ( including, but not limited to, XXXX XXXX XXXX XXXX, or XXXX ). 

Despite my repeated requests, Cash App has refused to disclose this information, instead stating only that I violated the Terms of Service and telling me to review prior messages. Under the Fair Credit Reporting Act ( FCRA ), if their decision was based in whole or in part on any consumer report or third-party data, Cash App is legally required to : 1. Identify the name, address, and phone number of any such agency or database used ; 2. Provide me with a copy of the specific information relied upon ; 3. Provide a clear explanation of the reason ( s ) for my account closure.

Cash Apps refusal to disclose this information prevents me from understanding and correcting any possible errors in my consumer reports, which directly impacts my ability to access financial services. 

I am requesting that the CFPB compel Cash App to : Confirm whether any third-party data was used ; Provide me with a copy of any such information ; Clarify the specific reason ( s ) for my account closure.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-24 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: UT

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 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have two accounts with Capital One bank through their credit card. The online system a couple of times has automatically set up payments by itself for my Kohls card. Im for my capital one card when I dont have money in my account to pay them so theyve gone in to pull money out and I dont have money in my account for them to pull out and theyve counted it as a missed payment. The kohls card did it in XXXX. The date is XX/XX/XXXX. I have usually always paid my bill early too .Then theres been times that the processing for them to take the money out has been up to four days and then they tell me that Im late on my bill and then they return the money to my account. When the processing is only supposed to take one to three days. That was XX/XX/XXXX that they returned my money then they return my money again after they took out after they took out XXXX out of the bank account. On XX/XX/XXXX, their supervisors sat there on the phone and told me no mistakes could be made by their computers and it was my fault and thats what they were telling me. They said that no one at capital one made a mistake. That we XXXX XXXX  it on the phone and thats what they were telling us and then one supervisor had animals and kids running around in the background where I couldnt even hear him and he was being very disrespectful and rude. And the kids were screaming so loud that I couldnt even hardly hear him in periods of the time of the conversation and I asked him if he could go to a quieter room. And they decided to close my accounts after they pulled out that money after they made a mistake and said that I never paid my accounts after they returned the money to the account and said that I never paid the money to the account when I have a piece of paper say that I paid the account. They were supposed to call me and tell me if I needed to pay {$49.00} on my account a minimum payment. They close my account for nonpayment and no one let me know that my account never got paid. Or that they return the money because the account that they took it out of wasnt even supposed to be taken out of because it has a {$2000.00} overdraft on it. I dont even know how they got {$4000.00} out of it. They discontinued my cards, which is wrong because I was told on the phone that I could rectify it if they returned the payment and I was told that it was showed in the their process that I paid it on that day and something went wrong in their system by one of the gentleman that I talk to, and he was from fraud, and then the rest of the people and their team from fraud said that it was my fault. And they didnt even give me enough time to get the paperwork that I needed into them They said I had seven days to get bank statements into them and they didnt even give me seven days to get bank statements into rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NC

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 : INQUIRIES : XXXX Date : XXXX/XXXX/23 XXXX  Date : XXXX/XXXX/23

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
In XX/XX/scrub> 2025, I disputed several negative accounts ( including XXXX, XXXX XXXX XXXX ) on my credit report with TransUnion. I requested, in writing and by certified mail, a detailed description of the procedures used to investigate these accountsspecifically the method of verification, sources contacted, and the steps taken during the investigation, as required by federal law ( FCRA 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

TransUnion responded by stating these accounts were " verified as accurate, '' but did not provide the description of its investigation procedures or methods, despite my clear request and the requirements of federal law. The disputed accounts remain on my credit report and continue to affect my credit standing. 

I took these actions : Sent written disputes and formal requests for investigation details in XX/XX/year>2025, specifically requesting compliance with FCRA 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681e ( b ).

Attached a copy of all correspondence and TransUnions responses.

Proactively tried to resolve the matter with the company before filing this complaint.

TransUnions actions : Failed to provide a detailed explanation or method of verification in response to my requests.

Left the disputed accounts on my report as verified, with no evidence that these were fully or accurately investigated.

Did not correct or delete inaccurate information, or provide the required notification and explanation of findings.

I am requesting that TransUnion comply with federal law by providing a complete disclosure of the investigation procedures and removing any information that can not be properly verified. I am also seeking regulatory review due to their non-compliance with the Fair Credit Reporting Act.

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 2025-07-24 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX InquiryXXXX XXXX XXXX  XXXX InquiryXXXX XXXXXXXXInquiryXXXX  XXXX XXXXInquiryXXXX XXXXXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXXXXX XXXX XXXX XXXXInquiryXXXX  XXXX XXXX  XXXX XXXXInquiryXXXX4 XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation XXXX However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file

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 2025-07-24 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: WI

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX XXXXXXXX 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 2025-07-24 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:
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 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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