vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX MI, XXXX DOB : XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am submitting a formal complaint regarding inaccurate and misleading credit reporting by Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

I opened a XXXX XXXX credit card account on XX/XX/XXXX, with a {$300.00} credit limit. The account was closed with a {$0.00} balance and no past due amounts. 

However, Equifax is reporting this account as : Charge-off Derogatory With no accurate XX/XX/XXXX30/60/90 day late history ( 0/0/0 ). 

Even more troubling, Equifax is also showing the account as Transferred and Consumer disputes after resolution, while still tagging it as derogatory. This is conflicting and legally misleading.

I have never missed a payment on this account. The reporting shows 100 % on-time payments but simultaneously marks several months as unknown, which is an internal contradiction.

I am requesting the following : Immediate removal of the charge-off and derogatory status. 
Accurate update of payment history with complete records. 
Clarification or deletion of this account if it can not be properly validated. 
Review of all Equifax data handling regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: FL

Complaint narrative:
Subject : Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am filing this complaint regarding several unauthorized hard inquiries that are currently appearing on my credit report. I did not authorize these inquiries, nor did I provide written consent to the companies listed below. According to the Fair Credit Reporting Act ( FCRA ), hard inquiries require consumer permission and a permissible purpose. 

The following inquiries are being disputed : 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 XXXXXX/XX/XXXX These inquiries are harming my credit score and were made without my knowledge or consent. I have already attempted to contact both the credit bureaus and the companies involved, but I have not received proper documentation or any resolution. 

Fair Resolution Requested : I respectfully request that the unauthorized hard inquiries listed above be permanently removed from my credit reports with Equifax, XXXX XXXX XXXX. I also request that each company provide verifiable proof that I authorized the inquiry. If no such documentation can be provided, the inquiries should be deleted in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681b ).

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
My information has been compromised as a result of a data breach. Information has been illegally obtained without my permission resulting in negative and inaccurate reporting to my credit report. XXXX  continues to report negative accounts from 3rd party collection agencies without performing proper requested investigation form the following companies.

1. Credit Corp {$920.00} XXXX. XXXX XXXX {$600.00} XXXX. XXXX XXXX {$570.00} XXXX. XXXX XXXX {$510.00} XXXX. XXXX XXXX XXXX {$630.00} I have repeated requested proper investigation of these accounts without results. Please immediately and permanently delete these unverified negative accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My information has been compromised as a result of a data breach. Information has been illegally obtained without my permission resulting in negative and inaccurate reporting to my credit report. XXXX  continues to report negative accounts from 3rd party collection agencies without performing proper requested investigation form the following companies. 
XXXX XXXX XXXX {$920.00} XXXX. XXXX XXXX {$600.00} XXXX. XXXX XXXX {$570.00} XXXX. XXXX XXXX {$510.00} XXXX. Midland Credit XXXX {$630.00} I have repeated requested proper investigation of these accounts without results. Please immediately and permanently delete these unverified negative accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX MI, XXXX DOB : XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am submitting a formal complaint regarding inaccurate and misleading credit reporting by XXXX  and XXXXXXXX Indigo  XXXX XXXX XXXX XXXX XXXX XXXX 

I opened a XXXX Indigo credit card account on XX/XX/XXXX, with a {$300.00} credit limit. The account was closed with a {$0.00} balance and no past due amounts. 

However, XXXX  is reporting this account as : Charge-off Derogatory With no accurate 30/60/90 day late history ( 0/0/0 ). 

Even more troubling, XXXX  is also showing the account as Transferred and Consumer disputes after resolution, while still tagging it as derogatory. This is conflicting and legally misleading.

I have never missed a payment on this account. The reporting shows 100 % on-time payments but simultaneously marks several months as unknown, which is an internal contradiction.

I am requesting the following : Immediate removal of the charge-off and derogatory status. 
Accurate update of payment history with complete records. 
Clarification or deletion of this account if it can not be properly validated. 
Review of all XXXX  data handling regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have made numerous attempts to remove inaccurate addresses. All credit bureaus refuse to remove it. These are to include Experian, TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Leaving these inaccurate addresses and phone numbers on my report is allowing inaccurate negative marks to remain on my credit report. This in turn is a defamation of my character and my identity. According to 15 U.S.C. 1681, this is illegal

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have made numerous attempts to remove inaccurate addresses. All credit bureaus refuse to remove it. These are to include Experian, TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Leaving these inaccurate addresses and phone numbers on my report is allowing inaccurate negative marks to remain on my credit report. This in turn is a defamation of my character and my identity. According to 15 U.S.C. 1681, this is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
b'Please remove all these items from my Credit report:-\n\nADDRESSESXXXX 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 XXXXI had not checked my credit report in a long time. I went to the bank and was informed of these items.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I discovered on XX/XX/year>, that Capital One accessed the Credit Bureau Dispute section of my account on XX/XX/year>, at XXXX XXXX  and closed it at XXXX XXXX19 minutes later. I did not request this review or authorize any activity at that time. There was no communication or update provided, and this occurred during a period of ongoing litigation and regulatory complaints, which makes the timing and secrecy highly concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: WA

Complaint narrative:
Per 15 USC 1681 ( b ) I did not give written consent permissible purpose in my wet signature to obtain or furnish my consumer report. No consent is fraud. I did not authorize the listed accounts or inquiries to report to my consumer credit reports. Block & remove the accounts and inquiries immediately. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX 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 non-monetary relief
Consumer complaint received 2025-07-05 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: MD

Complaint narrative:
Im XXXX XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress.

Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent.

This has delayed both my home and business plans. Please take urgent steps to fix this.

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 2025-07-05 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: GA

Complaint narrative:
My information was leaked on a data breach please remove these unauthorized accounts and unauthorized inquiries

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 2025-07-04 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: NJ

Complaint narrative:
On XX/XX/year>, a pending authorization of {$380.00} was placed on my Cash App debit card by XXXX XXXX XXXX. This was a standard hotel hold for incidentals, and I have stayed at this same property before using a XXXX XXXX XXXX debit card, where the funds were released within one week. 

In this case, the XXXX XXXX confirmed they released the hold, yet Cash App refuses to release the funds and is enforcing a 30-day hold, stating I will not have access to my money until XX/XX/year>. 

I contacted Cash App Support and spoke with a manager named XXXX. Despite showing proof that the merchant is not holding the funds, I was told this is a standard policy and no further escalation is available. XXXX repeatedly redirected me to contact the merchant, even though I verified with the hotel that they have no active hold and the issue lies entirely with Cash Apps internal processing system. 

This delay is unreasonable and has interfered with my financial obligations. I provided documentation ( including a screenshot showing the pending transaction ) and offered to provide confirmation from the merchant, yet no action was taken to resolve or expedite the matter. 

I have since filed a complaint with the XXXX XXXX XXXX and I am now escalating to the CFPB for further review and intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was unable to make a timely payment on my Bank of America Alaska Airlines business credit card due to app and platform issues. When I attempted to resolve this and request a removal of the resulting late fee, I encountered an extremely frustrating and dysfunctional customer service system.

Over the course of 12 separate calls, Bank of Americas automated system refused to connect me to a live representative. The system repeatedly asked for information, failed to understand my responses ( whether spoken or typed ), then requested other details I did not have access to and ultimately hung up the call. No option was given to reach a human being. This makes it impossible to resolve urgent issues, especially those caused by Bank of Americas own technical failures. The system feels deliberately designed to prevent customers from reaching real assistance.

This situation has now resulted in an unresolved late fee and has wasted a significant amount of my time. It also raises serious concerns about the accessibility and fairness of Bank of Americas customer support for business clients.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-04 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: WA

Complaint narrative:
Per 15 USC 1681 ( b ) I did not give written consent permissible purpose in my wet signature to obtain or furnish my consumer report. No consent is fraud. I did not authorize the listed accounts or inquiries to report to my consumer credit reports. Block & remove the accounts and inquiries immediately. XXXX XXXX, XXXX XXXX XXXXXXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief