vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MORGAN STANLEY & CO. LLC
State: MI

Complaint narrative:
Morgan Stanley closed my account and will not transfer my XXXX to another firm and will not let me access my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NJ

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 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX, denied to refund a sender I was the recipient. {$120.00}. 
XX/XX/XXXX {$120.00} denied dispute for refund, several things like I couldnt verify my identity, then they said my identity is verified all this being said from the very app I have to use a pin and Touch ID to even use, they closed my card but allow me to still send and receive payments. 

XXXX XXXX {$52.00} I repaid a payment on loan, it never was reflected so I filed dispute showed them reciepts of my payment on their account the receipt was from them they never acknowledged it! Therefore I didnt pay the loan because I was afraid they would take my money! They took the {$120.00} from my father he sent me on accident so I had to pay him in cash back!! I want a refund of all my money on my account I want to be able to order another card I want my loan forgiven and want to be able to borrow the full amount of which I was able to borrow prior to this Ive been disrespected unappreciated lied to and embarrassed!! I have screenshots for all my claims which cashapp didnt care

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9100.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$120.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
I am a victim of identity theft, which has led to the reporting of unauthorized and inaccurate information by Equifax. My Social Security number and other private data were unlawfully used. These unauthorized accounts and inquiries have severely damaged my creditworthiness. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I formally request the immediate blocking and permanent deletion of all information resulting from identity theft. Despite prior notifications, these agencies continue reporting unverifiable data. I do not consent to the placement of a fraud alert I demand complete deletion as required under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: AR

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} 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 XXXXXX/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 explanation
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: AR

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-15 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 formally disputing the following accounts listed on my credit report. Under15 U.S. Code 1681c2and the doctrine ofestoppel by silence ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have received no proof of these alleged debts. Therefore, I request immediate deletion of each account : 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 These accounts must be removed withinXXXX daysof receiving this notice. If no proof is provided, their continued reporting is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I should only have student loans on my account. Also the only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only phone numbers ever are XXXX and my previous one was XXXX. 

Ive never had Huntington national bank, XXXX XXXX XXXX etc. Id like to use my credit and I can never seem to not be surprised. MULTIPLE VIOLATIONS. 
Ive sent multiple certified letters requesting validation as well as a cease and desist. Failed to respond. 
I should only have XXXX loans on my account and a XXXX phone on my name. 

Also my FTC ID THEFT # is XXXX Also I was involved in multiple data breaches. Thats the only way someone keeps using my information. Please help. Ive contacted all credit agencies as well. No help from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter Finance is inaccurately reporting my payment history to XXXX and other credit bureaus despite having paid them every month since XX/XX/year> on-time ( see attached ). Exeter Finance is also engaged in predatory lending charging more than 110 % interest despite us not contracting to this amount. In the aggregate, this poses significant risk to XXXX commerce and buyer confidence. Despite Exeter 's likely illegal lending practices, I have still made on-time payments ( sometimes more than once ) and they refuse to accurately reflect these payments on my account balance and when reporting to XXXX and other credit bureaus. Notably, my XXXX  score and payment history is totally different and accurately reflects the payments made since XX/XX/year>. Yet, XXXX refuses to acknowledge these same payments made during that same time period and somehow refers to the inaccurate payment history provided by Exeter as accurate. XXXX is also claiming that the amounts are " accurate '' despite my balance being more than {$500.00} less on the actual Exeter website and what XXXX is claiming is " accurate '' on their website. At best, XXXX  didn't do any sort of actual investigating. At worst, they are assisting Exeter to violate both federal and state law by engaging in these sorts of predatory and illegal lending operations. They need to fix my account and bring it back into good standing and accurately report the payments I have been making since XX/XX/year> to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
The following accounts has been charged off and they need to be deleted from my credit and show as {$0.00} prompt. I have received the XXXX ; XXXX and will attach them

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 2025-05-15 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: GA

Complaint narrative:
The following accounts has been charged off and they need to be deleted from my credit and show as {$0.00} prompt. I have received the XXXX ; XXXX and will attach them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
Due to all of the violations, I would like for these accounts that are listed in my attached FTC REPORT be removed from my consumer reports immediately.

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 2025-05-15 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: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : Fraudulent Accounts : 1. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Opened : XX/XX/XXXX Charged Off Balance : {$6700.00} 2. XXXXXXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Charged Off Balance : {$780.00} 3. XXXX XXXXXXXX Account # XXXX Opened : XX/XX/XXXX Charged Off Balance : {$630.00} 4. XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Collection Balance : {$6200.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts and inquiries are not mine, and I have not given anyone permission to open or use them on my behalf. 



Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that the credit reporting agencies block and delete these fraudulent items from my report immediately.

Under FCRA 611 ( 15 U.S.C. 1681i ), I request full debt verification. If valid evidence ( e.g., signed contract ) can not be produced, these accounts must be removed.

Compensation for False Verification : Per FCRA 616 ( 15 U.S.C. 1681n ), if any item is falsely verified, I am entitled to {$1000.00} per violation.

Supporting Documentation : Identity theft report Government-issued ID Proof of current address Requested Actions : 1. Immediate removal of all fraudulent accounts and inquiries 2. Full debt verification 3. Written confirmation of deletions 4. Notification to furnishers to cease reporting 5. Updated credit report showing corrections I expect confirmation that my request has been processed in compliance with the FCRA. Failure to do so may result in legal action.

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 2025-05-15 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: EQUIFAX, INC.
State: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
I have identified significant discrepancies that I believe negatively affect my creditworthiness. This misreporting is not only misleading but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to contact the credit bureau to have this information corrected, the matter has not been properly investigated or resolved. Because of continued failure to correct this error, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : The account status is listed differently across the three major credit bureaus. This inconsistency may lead to confusion regarding the standing of this account and does not accurately reflect my payment history or the accounts current state. 

Date Opened : The reported date the account was opened varies between each of the credit bureaus. The date of account opening is a critical factor in the calculation of my credit history length, and it is essential that this information is consistent and correct.

Date Last Reported : The " Date Last Reported '' field shows different dates across the credit bureaus. These discrepancies can impact credit scoring models and create confusion about the account 's current activity.

Date Last Active : This date is also inconsistent among the three bureaus. A unified and accurate date is necessary to reflect the correct activity timeline of the account. 

Date of Last Payment : Each credit bureau reflects a different " Date of Last Payment '' for this account. This date is essential to determine payment recency and status, and should be accurately and uniformly reported.

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 2025-05-15 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: WI

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. This day over 60 days later I have not yet received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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