vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: AL

Complaint narrative:
Complaint Summary : I am filing this complaint against Equifax Information Services LLC for repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., relating to their failure to conduct a reasonable reinvestigation of multiple disputed accounts after XXXX separate dispute attempts. 

Disputed Accounts : XXXX XXXX XXXX Account ending * XXXX XXXX XXXX Account ending * XXXX XXXX XXXX XXXX Account ending * XXXX Details of the Violations : Failure to Conduct a Reasonable Reinvestigation ( FCRA 1681i ( a ) ) Equifax has verified the accounts as accurate without producing any documentation from the furnishers, despite my repeated written disputes requesting contract-level proof, chain of title, and complete payment history. This violates XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), which requires more than a mere parroting of a furnishers response. 

Failure to Provide Method of Verification ( FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Equifax has not disclosed the method of verification or the exact documents relied upon to verify the accounts. 

Reporting Inaccurate and Unverifiable Information ( FCRA 1681e ( b ) ) The accounts contain contradictory dates of first delinquency, date of last payment, and high credit figures that do not match the original creditors own reporting. 

Possible Re-Aging of Debt ( FCRA 623 ( a ) ( 5 ) ) Dates have been modified in a way that suggests prohibited re-aging to extend the reporting period. 

Relief Sought : Immediate deletion of the disputed accounts from my Equifax credit file. 

Full disclosure of all documentation provided by the furnishers in the reinvestigation, including original signed contracts and proof of assignment. 

Written confirmation of deletion. 

I am attaching copies of : My XXXX-round dispute letter to Equifax XXXX XX/XX/XXXX, reinvestigation results Prior dispute correspondence XXXX repeated verified as accurate responses without actual documentary evidence demonstrate willful and negligent noncompliance. I request the CFPB take action to compel Equifax to correct my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Since early XX/XX/XXXX, Equifax has been blocking my ability to access my complete and updated credit report online. 

When I log in, the system displays XXXX XXXX XXXX XXXX XXXX, XXXX open accounts, 0 % utilization, and hides all closed accounts, dispute records, and negative items. This concealment makes it impossible to verify dispute results, confirm corrections, or identify inaccurate reporting. 

I have called Equifax multiple times, and they have admitted the issue is being resolved, yet as of XX/XX/XXXX, the obstruction continues. I am forced to depend solely on postal mail for dispute responsesonly when Equifax chooses to send themrisking delays or loss. This deprives me of my legal right to timely access under FCRA 609, 611, and 607 ( b ) and constitutes an unfair and deceptive practice. 

This conduct is similar to the wrongful actions addressed in XXXX XXXX TXXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX  XXXX ), where the court held that credit bureaus can not willfully or negligently restrict a consumers ability to review the information in their file. 

I am requesting that Equifax immediately restore my full online access to my complete and updated credit report, including all accounts and dispute results, and provide a current copy by mail and secure PDF.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
TransUnion is reporting XXXX late payments on a closed, paid-in-full XXXX XXXX account ( Acct. No. XXXX ) with inconsistent and incomplete payment history. The grid contains gaps and missing months, yet still lists XXXX days late entries without proof of actual XXXX day delinquency. This violates FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ) for accuracy and completeness, and the unverifiable data should be deleted under FCRA 611 ( a ). I request immediate removal of all derogatory late payment history or deletion of the account if full verification can not be provided.

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 2025-08-09 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: GA

Complaint narrative:
On XX/XX/year>, a Cash App transaction for {$56.00} was dispersed to the wrong linked debit card on my account. The same issue occurred on XX/XX/year> for {$100.00}, on XX/XX/year> for {$40.00}, and on XX/XX/year> for {$200.00}. These payments were intended for my primary debit card but were instead sent to a different linked card due to an error. 

When I noticed the issue, I immediately contacted Cash App support through the in-app chat. I provided the transaction IDs for all affected payments and requested that the funds be reversed or redirected to my correct linked card. Cash App reviewed my request but denied my claim without providing a detailed explanation for the decision. 

The funds remain inaccessible to me, and I have proof showing that the transactions were misapplied to the wrong card and have not been accessed or used by me. I am requesting assistance to recover the total amount of {$390.00}. 

What I want : I am requesting that Cash App reverse these payments or credit my correct linked debit card for the full {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-09 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 the victim of identity theft, and several fraudulent accounts have been reported on my credit file without my knowledge or consent. These include accounts from XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ). XXXX XXXX XXXX ( opened XX/XX/XXXX ) and XXXX XXXXXXXX XXXX XXXX  ( XX/XX/XXXX ) I have filed an official FTC Identity Theft Report and gathered the necessary documentation including my government-issued ID and proof of address. I invoked my rights under 15 U.S. Code 1681c-2, which mandates that consumer reporting agencies must block fraudulent information within XXXX business days of receiving proper identity theft documentation. Despite this, the credit bureau has failed to block or remove these accounts, which continues to cause harm to my credit profile and financial well-being. I am requesting immediate enforcement action to ensure these fraudulent accounts are blocked, deleted, and cease to be reported going forward.

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 2025-08-10 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me.

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me.

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: OH

Complaint narrative:
Opened US bank account in XXXX  move to XXXX  there is no US Bank in the town of XXXX XXXX  and there are no ATM machines which are located in XXXX in XXXX XXXX I use another bank they charged me {$350.00} refund {$3.00} finding out US bank is charging {$3.00} for using a non-atm machine authorized by US Bank . This apparently has been going on for XXXX  years and I would like to know how I can file a lawsuit against XXXX XXXX  ATM fees policy

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 2025-08-09 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed an inquiry that I did not give expressed written consent to or authorize any third party agency to furnish data on the following account and I have the right to privacy, please be reminded, no consent is IDENTITY THEFT. 

XXXXXXXX XXXX XXXXXX/XX/year> I AM DEMANDING THIS ACCOUNT BE REMOVED IN XXXX BUSINESS DAYS. 
Thank you for your compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I rented a vehicle from XXXX and was charged a {$400.00} deposit on my Capital One credit card on XX/XX/year> which is being withheld due to alleged vehicle damage. I filed a dispute with Capital One on XX/XX/year> and was repeatedly denied despite my submission of extensive evidence. 

The {$400.00} deposit was unrelated to any repair costs my auto insurer, XXXX XXXX, has confirmed that it is not part of the repair claim the merchant submitted. XXXX XXXX is in the process of paying the merchant in full for the repair costs, yet the merchant refuses to return my {$400.00} deposit or provide a repair invoice or explanation, and has delayed the insurance payment process by repeatedly sending the same incorrect claims demand packet including as recently as XX/XX/year> with the wrong vehicle information. 

I submitted multiple pieces of evidence to Capital One showing : XXXX. The {$400.00} is a deposit, not a repair payment. 
XXXX. The merchant has not provided any invoice showing my deposit was applied to damages. 
XXXX. My insurer is covering the full repair cost. 

Capital One denied my dispute without addressing my evidence and instead accepted the merchants vague documents, which did not include my signature and did not explain the deposit. They closed my case and told me to work directly with the merchant, despite the merchant being uncooperative and refusing to respond to my requests. 

I am requesting CFPB review because Capital One is siding with a merchant who is withholding my funds without documentation or lawful justification, while the insurance payment is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Formal Demand for Deletion of Inaccurate Information Violation of 15 U.S.C. 1681e ( b ) To Whom It May Concern, This letter serves as a formal dispute and demand immediate deletion of inaccurate information currently being reported on my credit file. The continued reporting of this erroneous data constitutes a direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

The following account ( XXXX ) are being reported inaccurately XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: MI

Complaint narrative:
Absolute Resolutions Investments , LLC has been attempting to collect a debt they allege I owe. I have not received proper validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

I requested debt validation, including : Name of the original creditor Detailed accounting of the debt Documentation showing they are authorized to collect Proof of ownership/assignment of the debt Their current Michigan debt collection license number Upon searching the XXXX  Department XXXX XXXX and XXXX XXXX XXXX XXXX ) database, I found no active license for this company to collect debts in Michigan. 

They also filed a lawsuit against me in the XXXX XXXX XXXX ( Case XXXX  XXXX ), which was dismissed without prejudice on XX/XX/year>, due to non-service and lack of progress. Despite the dismissal, they continue reporting the alleged debt to the credit bureaus and attempting to collect. 

The amount they are reporting to the credit bureaus is different from the amount shown in the paperwork they mailed to me. This inconsistency is misleading and violates the FDCPA ( misrepresentation ) and the Fair Credit Reporting Act ( inaccurate reporting ). 

I believe they are : XXXX. Attempting to collect without being licensed in Michigan ( possible violation of XXXX  Collection Practices XXXX ) XXXX. Violating the FDCPA by not providing required validation before continuing collection XXXX. Violating the FDCPA by misrepresenting the amount owed XXXX. Violating the FCRA by reporting inaccurate information to the credit bureaus XXXX Different amount they claim i owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am filing this complaint because the information reported by IC System , Inc. on my credit report is inaccurate. Specifically, the dates and/or status associated with the account are incorrect. I believe this account is being misreported in a way that does not accurately reflect the payment history or current status. 
I have attempted to resolve the issue by reviewing my credit report and comparing it to my personal records, and I have reason to believe the reported data violates the Fair Credit Reporting Act ( FCRA ) requirement for accurate and verifiable information. 
If they are unable to fully verify the accuracy of the account, I am requesting that it be deleted entirely in accordance with the FCRA.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
As per the guidance from the XXXX XXXX XXXX ( CFPB ) document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXXXXXX XXXX XXXX {$750.00}, XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX {$450.00}, XXXX XXXX XXXXXXXX XXXX {$2000.00}, XXXX XXXX XXXXXXXX XXXX. {$1000.00}. XXXX XXXX XXXX. {$5000.00}, XXXX XXXX XXXX  XXXX. {$1000.00}, XXXX XXXXXXXX XXXX {$1900.00}.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX  THIS IS A FRAUD ACCOUNT THAT POP BACK UP AFTER BEING REMOVED I DEMAND FOR THIS COMPANY AND THE CREDIT BUREAUS TO STOP REPORTING FRAUDULENTLY ACTIVITY ON MY CONSUMER REPORT THATS DAMAGING MY FINANCIAL HEALTH To : Equifax XXXX XXXX XXXX XXXX. Box XXXX, XXXX, GA XXXXXXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, TX XXXX TransUnion LLC XXXX. XXXX 2000, XXXX, PA XXXX Subject : Demand for Immediate and Permanent Removal of Fraudulent Account XXXX XXXX XXXX XXXX To Whom It XXXX Concern, I am a victim of identity theft, and I am formally demanding the immediate and permanent removal of the fraudulent account listed as XXXX XXXX XXXX XXXX from my consumer credit report. 

This account was opened and reported without my knowledge, consent, or authorization. I have already notified the company that this account is fraudulent, and I have stated clearly that I do not recognize or owe any debt related to it. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i, you are required to : 1. Block and delete this fraudulent account from my credit file within four ( 4 ) business days of receiving this letter, as mandated under the FCRA. 
XXXX. Ensure that this account is never reinserted into my credit report without full compliance with the reinsertion procedures outlined in 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

This fraudulent account is causing ongoing harm to my credit profile and financial opportunities. I expect written confirmation from your office that this account has been completely removed and permanently blocked from my credit report. 

Failure to comply with this request will result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and pursuing all available legal remedies. 

Attached is a copy of my government-issued identification and proof of address to assist in verifying my identity. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation