vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: NY

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I used my cash card at the ATM to check my balance because I received funds, when I used my card I had to put my pin, Unfortunately someone behind saw me putting the PIN code, when I left the ATM Machine, this person pushed me and my wallet fall with my card in the floor, I Did notice right away but this idividual took my card. XXXX min later I had to pay the restaurant and I did not find my card, it is a this moment I noticed my card was missing in my wallet, when I looked at the cash app application, I noticed that XXXX withdraws had been made without my authorization : {$300.00}, {$300.00}, {$300.00} and {$100.00}. I immediately blocked my card and advised Cash app services, they canceled the card and ordered me a new one that I paid {$53.00}. 
I opened my claim with them and it has been denied the XXXX time, I dont know why, I called them an reopened a second time, declined again, I had to file a police report and even with it the claim is still denied after I opened the claim XXXX times with them. 
Cash app fraud dept did not reach the police dept where I made dthe complain and even didn't check the report, Worst today, cash app closed my account after I filed the claim the the XXXX time.... its scandalous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Someone open a bank account at TD Bank. XXXX is not telling anything i tried to get a police report no one will respond to me the bank is not helping

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-05-27 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # 's XXXX, and XXXX has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor may not treat a payment on a XXXX XXXX account under an open end consumer credit plan as late for any purpose XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # 's XXXX, and XXXX has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor may not treat a payment on a XXXX XXXX account under an open end consumer credit plan as late for any purpose XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account 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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I open and account with Citibank in XXXX since then has benefited from a whole nightmare. They didn't send my debit card so every time I use my check account to made a wire they put on hold my account even I call them and answer all their questions after XXXX month they finally send a debit card after I change my address because in the address I open the account they never could send the debit card. Any way for the most significant moment I made in my account they block my card. I do some tour job sometimes as a freelance and I received XXXX wires from the person I will made the tours the last payment they did to me I was in XXXX on vacations with my family they freeze my account and left me there with XXXX any money to pay the bank so I was able to use the app I made a wire transfer to the hotel and after that they close my account I was still on vacations when they closed. my family and I wore stuck in a foreign country without any money with my kids of XXXX and XXXX XXXX XXXX. I had to call my family to find the way they can borrow me money and get back to XXXX. 

When we finally get back home I received and email that said my account will be closed in 60 days I received that email on XX/XX/year> the money I had in that account is all my money I have bills to pay and I get in a very stressful financial situation right because the clouse of my account. 

I reach Citibank by phone, in the branch in their XXXX team and they just answer me they have to wait XXXX  days to clear checks or recurring payments. I have no checks for that account, I never set up a recurring payment in that account. I can't wait XXXX  days. Today I receive and email they will close my account on XX/XX/XXXX. i REALLY CAN'T WAIT UNTIL THAT DAY I have to pay the rent, my car will be charge off because i will be behind XXXX payments. 

I just want my found back are about {$24000.00} USD is all my money I have no more in this moment. I do XXXX  XXXX  in order to got more money to sustain my family.

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 2025-05-27 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: MI

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-27 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: MI

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-27 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: DC

Complaint narrative:
I am filing this formal complaint against the three major credit reporting agencies : Experian, Equifax, and TransUnion, for reporting negative information on my credit reports that has not been verified in accordance with the law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, consumers have the right to dispute inaccurate or unverifiable information on their credit reports, and the credit bureaus are legally obligated to investigate and verify the accuracy of the disputed items within 30 days. 

I have reviewed my credit reports and found multiple negative entries related to alleged debts that I do not recognize and that have not been verified despite previous disputes. These items continue to appear on my reports, causing ongoing harm to my creditworthiness and financial reputation. 

The bureaus failure to properly investigate and remove these unverifiable accounts violates my rights under the FCRA. Specifically, their actions appear to be in breach of : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy of consumer information.

15 U.S.C. 1681c Reporting outdated or otherwise prohibited information.

I am requesting that the CFPB investigate this matter and require Experian, Equifax, and TransUnion to : 1. Provide documented proof of verification for each disputed debt, including the original creditor and documentation bearing my signature ; or 2. Remove all unverified and inaccurate negative accounts from my credit reports in compliance with the FCRA. 

Thank you for your attention to this matter. I am seeking a fair resolution to restore the accuracy and integrity of my credit reports.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am filing this formal complaint against the three major credit reporting agencies : Experian, Equifax, and TransUnion, for reporting negative information on my credit reports that has not been verified in accordance with the law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, consumers have the right to dispute inaccurate or unverifiable information on their credit reports, and the credit bureaus are legally obligated to investigate and verify the accuracy of the disputed items within 30 days. 

I have reviewed my credit reports and found multiple negative entries related to alleged debts that I do not recognize and that have not been verified despite previous disputes. These items continue to appear on my reports, causing ongoing harm to my creditworthiness and financial reputation. 

The bureaus failure to properly investigate and remove these unverifiable accounts violates my rights under the FCRA. Specifically, their actions appear to be in breach of : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy of consumer information.

15 U.S.C. 1681c Reporting outdated or otherwise prohibited information.

I am requesting that the CFPB investigate this matter and require Experian, Equifax, and TransUnion to : 1. Provide documented proof of verification for each disputed debt, including the original creditor and documentation bearing my signature ; or 2. Remove all unverified and inaccurate negative accounts from my credit reports in compliance with the FCRA. 

Thank you for your attention to this matter. I am seeking a fair resolution to restore the accuracy and integrity of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Formal Dispute Request for Deletion of Inaccurate Late Payments Based on XXXX XXXX XXXX XXXX Dear XXXX XXXX, I am writing to formally dispute the late payment notations that are currently being reported on my XXXX XXXX loan account to the major credit reporting agencies. I am requesting that these late payments be permanently deleted from my credit history, as they are inaccurate and not reflective of my payment activity. 
On a recent phone call with a XXXX XXXX customer service representative, it was confirmed that my account is current and that there are no missed payments on record. This aligns with my own records, as I made XXXX advanced payments toward my auto loan, which placed my account ahead of schedule and in good standing Legal Basis for My Dispute : Under 15 U.S.C. 1666b of the Fair Credit Billing Act, a creditor is required to : Credit a payment to the consumers account as of the date of receipt of the payment... 
This statute supports my position that payments made early must be credited timely and properly, and that future due dates must reflect such prepayments. Any reporting of a late payment while my account is current and paid ahead violates this provision and results in inaccurate reporting to the credit bureaus.

My Formal Request : 1. Investigate the reporting of all alleged late payments on my account 2. Immediately remove all inaccurate late payment entries from any credit bureau to which they were furnished 3. Provide me with written confirmation of the correction and current payment status 4. Ensure any future reporting remains in full compliance with 15 U.S.C. 1666b and FCRA 15 U.S.C. 1681s-2 ( a ) ( accuracy in data furnished to credit bureaus ) These inaccuracies have caused unnecessary harm to my credit profile and do not reflect my true payment behavior. I expect a timely resolution to this matter in accordance with federal law. 

Thank you for your prompt attention. 

Sincerely, 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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally request the deletion of all information from my credit report following the recent data breach that has affected my personal information. As you are aware, the security of my personal data is paramount, and I believe that the information now included in my credit report may have been compromised as a result of the breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the deletion of any and all negative or erroneous information resulting from the data breach from my credit report. This includes any accounts, inquiries, or other data that were impacted by the breach and are inaccurate or improperly reported. Additionally, in light of the breach, I respectfully request that you conduct a thorough investigation into my credit file to ensure that no fraudulent or incorrect data remains of my credit history. Please confirm the deletion of the impacted information from my credit report within the required 7-day period, and provide me with a written confirmation that the necessary actions have been taken. Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I obtained a vehicle from your company, but shortly after, the car began to experience significant issues. Within a few months, the transmission started to fail. I contacted your office to voluntarily surrender the vehicle due to its mechanical problems. 

Despite my efforts to return the car in good faith, the account was incorrectly marked as a repossession. Following that, I was surprised to learn that legal action was initiated against me for the full remaining balance even though the vehicle had been returned.

Im requesting clarification on why this was handled as a repossession and why the full balance is being pursued despite the surrender of the vehicle. Id like to resolve this matter fairly and request a review of the situation.

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 2025-05-27 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief