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: NJ

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. 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've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 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 proofofmyidentity, 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 — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/year>, I visited a Truist branch and obtained a cashiers check for {$2300.00}. My account had a balance of {$2400.00}. I left with {$97.00} in the account. However, several days later on XX/XX/XXXX, my account showed a balance of {$2300.00}. 
Being a contracted worker with irregular deposits, I assumed the funds were legitimate. I used the account normally. Nearly two months later, I found my account severely overdrawn by nearly {$2400.00}. I received no alerts or communication. I contacted Truist several times and was given conflicting and unclear explanations ( bad check, system glitch ). No check was ever deposited. I waited 30 days as instructedstill no formal response.

Most recently, a representative confirmed the error was not my fault, but no one can explain why it occurred or how it will be resolved. I have received no reimbursement, no explanation, and no formal investigation summary. This has caused emotional and financial strain. Im requesting full reimbursement and accountability

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 2025-05-27 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: IL

Complaint narrative:
I am filing this complaint regarding a XXXX credit card account reporting on my Experian credit report with a balance of {$2400.00} and a past due amount of {$750.00}. The account number begins with XXXX, but I do not have access to the full account number. I am concerned about major violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

First, I submitted a dispute online to Experian on XX/XX/XXXX, because the account was missing payment history for XXXX and XX/XX/XXXX. Experian marked the dispute as " verified, '' but shortly after that, XXXX quietly updated the missing months after the dispute was closed. This is illegal under FCRA 611, which requires all data corrections to occur during the dispute period. 

Because of this, I mailed a formal reinvestigation letter to Experian on XX/XX/XXXX, requesting deletion of the tradeline due to failure to investigate properly and for additional concerns. Experian marked the dispute resolved by XX/XX/XXXX just two days later making it impossible they received, reviewed, and properly investigated my mailed dispute. This is clear evidence of a sham investigation, which directly violates my rights. 

Furthermore, this XXXX account continues to report a growing past due balance of {$750.00}, even though the account is charged off. This is a violation of Metro 2 guidelines, which prohibit past due balances from increasing once an account is charged off unless there is a new agreement, which there is not. 

In addition, XXXX continues to report monthly charge-off notations ( " CO '' ), which misrepresents the true status of the debt and can amount to re-aging, another FCRA violation .

I have never received any documentation verifying this information as accurate or current.

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: CL Holdings LLC
State: OK

Complaint narrative:
Jefferson Capitol systems has inaccurately and falsely reported information on my credit report. 

On XX/XX/year>. They reported I have an open collection account to XXXX. This is in violation of XXXX XXXX compliance and of US Cose 1681s-2 and a failure to report information that is complete and with maximum accuracy. 

I have notified the company that they have explicitly caused me financial detriment, in accordance to the FDCPA and FCRA.

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: SC

Complaint narrative:
am a victim of identity theft. The information listed 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 have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX South Carolina, XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Attached in the upload are the following : -A copy of my credit report I received from your company. The fraudulent items are highlighted.

-A copy of my Identity Theft Report and proof of my identity.

-A copy of section 605B of the Fair Credit Reporting Act, which requires you to block thefraudulent information on my credit report resulting from identity theft within four businessdays and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I sending in my payments and XXXX XXXX  saying they didnt receive my payments. Then in XX/XX/year>XXXX  i went and got a copy of certified payment showing it was endorsed by fay servicing. Then they stated i need to have XXXX by XX/XX/year> and i send them the XXXX and they sent one payment back and the other still pending. I have proof because i sent it via certified mail. After speaking to a supervisor she advised me to complete a hardship application until the payments and found. I completed the application after a week i was notified thats i needed to get home owners insurance. I asked why when i already have insurance escrowed into my payment. Representative stated its apart of the process. Now my payments have doubled. I feel like i was given misleading information and im being taking advantage of. Not to mention she stated by completing the application my credit would be protected and that was a lie. please help me. All they keep telling me is that i have equity and that i could sell. Please help me

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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

Complaint narrative:
I assisted getting my travel client connected with XXXXXXXX XXXX XXXX for an XXXX compliant Support For the XXXX XXXX XXXX. She paid me for organizing her schedule and getting her in contact with the tour group and Cash App suspended my account because they first flagged it as suspicious and then refunded the money and suspended my account after I provided all the information requested to verify my actions were a violation of sanctions. They also threatened me via an email for further actions against me. My account is still suspended and my funds that were already within the account are being withheld from me. I was informed when calling Cash App support I was informed that my case is still open despite a previous email from their specialist team reaching an unfair and final conclusion to refund the payment in question. I have now called multiple times and requested to speak to management and the special investigation department and they have claimed I will hear back soon but have yet to comply. I would like to have my access be restored so I may withdraw my funds please.

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: NJ

Complaint narrative:
On or about XX/XX/, I discovered that Equifax is inaccurately and unlawfully reporting two XXXX XXXX  accounts as charge-offs, which I formally disputed. 

The accounts being reported as charge-offs are : XXXX XXXX  Account ending in XXXX XXXX XXXX  Account ending in XXXX This reporting is in direct violation of several federal laws for the following reasons : A debt can not be reported as both a charge-off and a collection simultaneously. A charge-off represents a cancelled debt, which, under IRS rules , must be accompanied by a Form 1099-C and is considered taxable income, not a collectible debt. 

According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or misleading information. Equifax has failed to verify the accuracy of these charge-off designations.

No clear and conspicuous terms or opt-out disclosures were provided to me at the time of agreement, violating privacy and disclosure rights under 15 U.S.C. 6802 and other relevant statutes. 

Equifax also failed to comply with 15 U.S.C. 1681e ( b ), which requires the use of reasonable procedures to ensure maximum possible accuracy in the information they report.

The continued reporting of this cancelled debt after prior disputes constitutes willful and negligent noncompliance, subject to legal liability under 15 U.S.C. 1681n and 1681o.

Due to these violations and the damaging effect of these inaccurate entries on my creditworthiness, I am demanding full removal.

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute and demand the removal of inaccurate personal identifiers and address variations and unauthorized inquiries from my credit report, as provided by your agency. Pursuant to 15 U.S.C. 1681i ( a ) under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate, outdated, or unverifiable information in my file, and your agency is obligated to conduct a reasonable investigation and remove or correct this data within 30 days. Additionally, under the XXXX XXXX ( XXXX ) and 15 U.S.C. 6801, you are required to ensure the confidentiality, integrity, and accuracy of consumer 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 2025-05-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was looking at my credit report and i saw 1 account that was opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian : XXXX XXXX  # XXXX Equifax : XXXX XXXX  # XXXX TransUnion : XXXX Funding # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
XXXX XX/XX/year> Moneygram online transfer {$150.00} Transaction reference XXXX Receiver country : XXXX Sent the money on XXXX XX/XX/year>. The money was not picked up since the recipient was below XXXX  years. I tried to reverse the transaction it refused. I also tried to change recipient it refused. Until now the money is still not picked up.

Company response to consumer: Closed with monetary relief
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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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: FL

Complaint narrative:
Following a serious data breach, fraudulent accounts have been added to my credit report. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 days : 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number XXXX XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$75.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file.

Sincerely, Sample Client XXXX XXXX

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX SERVICES XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX SERVICES XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO 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