vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-15 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 explanation
Consumer complaint received 2025-07-15 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: RI

Complaint narrative:
I sent a certified letter to Equifax dated XX/XX/year> via USPS. The tracking number on that letter is XXXX and the website shows it was delivered on XX/XX/year>. The letter is requesting them to promptly delete serval accounts that are being reported with errors. The accounts listed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-15 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: MI

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
To Whom It May Concern : I am filing a formal complaint against XXXX XXXX XXXX, located in XXXX XXXX, Texas, for discriminatory business practices that occurred on XX/XX/year>. 
I visited the dealership with the intent to purchase a vehicle. Despite providing all requested information and being a qualified buyer, I was told outright that no bank would approve me yet the dealership did not even attempt to run my credit. The staff was aware that I am XXXX, and I believe the refusal to even process my application was based on unlawful discrimination, whether due to my XXXX, race, age, gender, or appearance. 
This behavior appears to violate fair lending and equal credit opportunity protections, and I request that the FTC investigate this matter. 
Please feel free to contact me at XXXX if further information is needed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hims and hers charged my card without my authorization. I had bought something a year prior and did not authorize anymore purchases. They refused to refund me when I told them I didnt authorize it. So I filled a dispute with my bank. Even though I gave my bank evidence showing I did not authorize this charge they still sided with the merchant. I did not authorize this transaction and never received product. So I dont understand why Im having to pay the price. Online you can see thousands of other customers have the same problem. This company is a scam and uses bad practices to scam hard working Americans out of money. I want my refund.

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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: DE

Complaint narrative:
My account was closed due to suspension. My account was never in the negative I never got any money out of chime. So I want my remaining money that was on my account. They sent me a check that I believe was fake. When I took it to the bank they said that they could not cash it because characteristics did not match up. Chime then said they would send me a new check but I just never got it and kept getting the run around was even told that because my account was closed for suspension, is the reason why I will not receive my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
I filed a dispute on XXXX, JEFFERSON CAPITAL SYSTEMS due to violating my rights. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX XXXX  ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX  has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a new car. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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  Address : XXXX XXXX XXXX XXXX XXXX  FL XXXX  ACCOUNTS XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$97.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} INQUIRIES : XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX EXPERIAN BUSINESS CRED Date : 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 2025-07-15 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: NJ

Complaint narrative:
please see attachments : Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported. 

accounts : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
My payment for XX/XX/year> is late. I attempted to pay it online XX/XX/year>. I am unable to as I needed to call in. I was not able to make the call at that time. I called on XX/XX/year>. I was told I could not make a payment. I requested a manger and they hung up on me. I called again and same thing was hung up on. 3rd time I called I immediately requested a manger. The representative said a manger was now on the line but the manager refused to respond and kept placing me on hold. Every time they came back on the phone I let them know I am still here and waiting for manger. They refused to speak. After 35 minutes they hung up. I just want to make a payment toward my morgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I had sent {$200.00} to pay back a friend who lives in XXXX California me the sender lives in XXXX California I had sent money prior to that no issues but they updated the app to where you have to put a note and in the note I put for XXXX which is his name but I did not think anything of it just playing around and sent the money then placed on hold in a pending state almost instantly we are both located in California that day at roughly XXXX my account was frozen due to them needing a better understanding of that word so I explained with urgency that it was all a mistake it was a harmless joke I thought on my end turns out to be a problem for cash app since they placed a hold on my account I have reached out via email and text and phone and through the cash app support tab on the app and to A veil no response from a proper member of the special team every refers to but I have yet to speak to them Im filling this complaint to shed light that the customer support team service for cash app has been poor and needs work I have reached out in a urgent manner it shouldve been resolved if it was such a serious issue for them to please a freeze on a account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: AZ

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: DISCOVER BANK
State: MA

Complaint narrative:
My discover card was closed because I missed 2months payment It was because of my new checking account that wasnt fully verified before that was why I missed the payment And I make my discover card bill on XXXX of XXXX XXXX but discover refused to give me available credit anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-15 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: PA

Complaint narrative:
This account was assigned to the trust in XX/XX/2023. They have received all notifications except the ones attached. They have repeatedly committed fraud and are now liable as they have received notice of copywriter violations. 

This is the final notice.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
This account was assigned to the trust in XX/XX/year>. They have received all notifications except the ones attached. They have repeatedly committed fraud and are now liable as they have received notice of copywriter violations. 

This is the final notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MN

Complaint narrative:
XX/XX/year> : I received notification from XXXX XXXX XXXX that a new address has been added to my Transunion credit report. I logged into Transunion and noticed that an address and phone have been added. I disputed the incorrect information and then checked the status of my credit freeze. 

I then noticed the freeze had been temporarily lifted. I then attempted to put my credit in frozen status but the website crashed and didn't allow me to. I called into the number for support to speak to an agent. 

The agent acknowledged that two additional emails were associated with the account that we confirmed were not mine. They advised that I create a new profile for Transunion and this should resolve the issue. Once successfully created, in the new account, I initiated a fraud alert and froze my credit again. To my knowledge this would secure my Transunion account. 

XX/XX/year> : I received notification from both XXXX XXXX XXXX XXXX XXXX protection that two attempts to pull my Transunion credit report were made but were blocked because of the freeze. Then within the next hour received another notification that my credit report had been pulled successfully from XXXXXXXX XXXX. I logged into my brand new Transunion account to investigate. 

Following logging into Transunion, I noticed that my freeze was temporarily lifted. I immediately chatted with an agent via the XXXX XXXXXXXX and they informed me that someone had access to this day-old account ( new profile ) and froze my account. My phone number had been removed from my Transunion credit report and replaced with a different one ( not recognizable ). 

My concern is that scammers are able to call in and verify identity by answering a few questions based on my personal information ( credit report ) and access my Transunion credit report and make modifications or remove freeze/fraud alerts. I never received text messages ( XXXX ) when these phone verification steps were occurring by scammers.

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 2025-07-15 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: NY

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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