vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies involving my credit report. Despite my submissions, Equifax consistently responds within XXXX XXXX stating the account is accurate, without providing any evidence of a thorough and authentic investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions also may contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I requested that CFPB take appropriate action to ensure Equifax complies with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
I have paid off this auto loan on XXXX its still showing as open

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies involving my credit report. Despite my submissions, Equifax consistently responds within XXXX XXXX stating the account is accurate, without providing any evidence of a thorough and authentic investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions also may contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I requested that CFPB take appropriate action to ensure Equifax complies with the necessary proof of investigation.

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 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I was charged with a payment of XXXX dollars on XX/XX/year> in New York. Its a fraud because I was in XXXX back then, and it says I bought some computer equipments but I didnt. I claimed a fraud with Bank of America, several days later they gave back the money to me. But on XX/XX/XXXX, BOA charged me the XXXX dollars again for fraud dispute.

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 2025-08-03 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX XXXX CARD # XXXX - Date Opened XX/XX/XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Playing against Cash App.They close my account for no reason.And I wanted to use my Cash App for my business.Can somebody please get in contact with me? I don't know they can't.They cancel me four years ago for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
HELLO PLEASE SEE DOCUMENTS FOR MY DISPUTE. ALL THESE PERSONAL INFORMATION ARE ABSOLUTELY NOT ACCURATE. A NOTICE THAT THE CONSUMER HAS THE RIGHT TO ADD A STATEMENT TO THE CONSUMER 'S FILE DISPUTING THE ACCURACY OR COMPLETENESS OF THE INFORMATION ; PLEASE SEE SUPPORTING DOCUMENTS FOR MY DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
HELLO PLEASE SEE DOCUMENTS FOR MY DISPUTE. ALL THESE PERSONAL INFORMATION ARE ABSOLUTELY NOT ACCURATE. A NOTICE THAT THE CONSUMER HAS THE RIGHT TO ADD A STATEMENT TO THE CONSUMER 'S FILE DISPUTING THE ACCURACY OR COMPLETENESS OF THE INFORMATION ; PLEASE SEE SUPPORTING DOCUMENTS FOR MY DISPUTE.

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 2025-08-03 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: TX

Complaint narrative:
XXXX XXXX XXXX ( account # XXXX ) Financed my vehicle XX/XX/XXXX and the vehicle was refinance XX/XX/XXXX. After the refinance, the account was paid in full with a XXXX balance and was then closed by XXXX XXXX XXXX. Account is historical and should have been off my credit report. I have contacted them on numerous occasions to rectify the problem with the account still on my report. I have file numerous disputes but XXXX still will not remove the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: AL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Fell XXXX. Left elbow fracture. Left knee contusion. Right wrist sprain. Nerve damage. Back pain. Leg and knees weak. Had to find a different job. Took a while to get a pay check. Refused unemployment. Right arm froze. Could not move arm. ER. Back out of work. Mortgage got behind. Didnt understand forbearance rules. XXXX  XXXX XXXX allowed me to do loan modification. In the mist of loan modification turned my Mortgage over to Shellpoint and said my loan modification was incomplete. Shellpoint said start all over. Started over. Shellpoint and XXXX refused a mortgage payment. Offered XXXX  XXXX. They said NO. Tried to make a payment to shell-point. They said no. XXXX XXXX XXXX group almost XXXX. They did nothing. No loan modification. Told me Shellpoint dont have to give me a loan modification. Now XXXX XXXX XXXX XXXX is going before the judge on the XXXX of XXXX according to XXXX for possible sheriff sale on my home. Around XXXX equity in home now since I have been in my home for over 23 years. XXXX back mortgage I owe plus attorney fees have accrued. I thought my attorney was working on my loan modification. I dont want to file bankruptcy. I just want to pay back my debts that I owe. I was XXXX from fall. Couldnt work the way I use to. I can pay my mortgage if Shellpoint will give me the loan modification. Im not trying to get out of paying. I want to pay but they want my house since now it has equity. You work all your life. Live in US and they trying to put me in the streets like an animal. Im not a bad person. Im a nurse. Have taken care the elderly for 30 years. Please help me. I have no where to go. XXXX XXXX XXXX. XXXX NJ 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 2025-08-03 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: GA

Complaint narrative:
TransUnion Consumer Solutions XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX Subject : Dispute of Derogatory Account Potential Identity Compromise from TransUnion Data Breach To Whom It May Concern, I am writing to dispute the accuracy of a derogatory account that appears on my TransUnion credit report. In light of the TransUnion data breach, which exposed sensitive personal information to unauthorized parties, I am concerned that this account may be the result of identity compromise or reporting error. I am requesting a full reinvestigation in accordance with federal law. 
The item in question is : Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2600.00} This account is unfamiliar to me and appears to have been recently added. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any item I believe to be inaccurate or incomplete. I am requesting that TransUnion verify this account with the original creditor using original source documentation. If it can not be conclusively verified, it must be removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - Account not mine

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 2025-08-03 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - Account not mine

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 2025-08-03 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: IL

Complaint narrative:
b'I have been a victim of Identity Theft and XXXX  Data breach. Transunion continues to allow an illegal account to be on my credit report. XXXX  and XXXX  fixed this problem immediately Transunion continues to allow. Please help me to remove this illegal account from my report effective immediately \n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX  \nXXXX\nXXXX

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 2025-08-03 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: GA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX  - XXXX - Account not mine

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 2025-08-03 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX DATA INT - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
My Former Name before a Legal name change was XXXX XXXX XXXX the Legal name change was done From XXXX XXXX XXXX to XXXX XXXX XXXX in part because of location of my Bilogal father the other reason was a mixed Credit filed caused by Equifax when they Mixed my Credit Roer port with a man named XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXXXXXX XXXX thus the last 10 plus years i have fought this The Collections account listed by Equifax Experian and TransUnion with a Company named XXXX funding is fraudulent i have never sign a contract and or ever obtain credit or a account from them i have no odeal who they are and have no legal obligation to them the listing on credit report in collections is fraudglent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX  - XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX  XXXX  - XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX  - XXXX - Account not mine

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 2025-08-03 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: GA

Complaint narrative:
I have paid off this auto loan on XXXX its still showing as open

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 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
Heartland credit card processing started increases my ( XXXX XXXX XXXX XXXX XXXX ) rates without notice of what the increase would be. I called and opened a case several times with out call backs, back in XX/XX/scrub> 2025. The notice said the fees would increase in XXXX, but they actually increased to 9 % of my total payments in XXXX of 2025. I blocked my ACH for the fees for 2 months for XXXX and XXXX of 2025 and finally received a call in with another case being opened. I explained several times that we were just a small family gas station and we were not a convenience store and could not afford 9 %, which was taking all of our profits for the month. Heartland stopped depositing my credit card payments starting June 3-10 2025 totaling {$26000.00}. I filed an initial complaint against them and they sent approx {$9000.00} ach into my bank account. That does not nearly cover what they owe. They increased my rates from 3.5 % to 4.8 % without my knowledge and then a month later went up to 9 %. What Heartland credit card processing is doing is nothing short of criminal and I'm not the only one they did or doing this to. I want fees refunded back to the increase of 9 % back down to 4.8 % for all the months they were taking 9 % minus the approx {$9000.00} already paid. Someone needs to hold this company responsible and I will not stop until I am fully refunded. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
The incident happened in XX/XX/XXXX My vehicle was stolen and couple of weeks later found it in a collision shop in XXXX California they requested that I pay them for my car to be released the.y made fake paperwork police couldn't do anything I reported to my finance company they said nothing we can do since nobody was looking to help I stop making payments so I can get repossessed and pay to get it out XX/XX/XXXX they finally picked up the vehicle and sold it the next day even though they were supposed to get the vehicle after non payment they didn't follow state laws no communication at all until I called I stated about the California rules to pick up they said it doesn't matter we do things when and how we can u owe and hung up in my face called back multiple times no one would assist me at all XXXX XXXX XXXX

Company response to consumer: Closed with explanation