vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
Account ( XXXXXXXX XXXX XXXXXXXX ) Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
In XXXX of XXXX when I went to make my vehicle payment I was told I could not because I didn't have insurance ( which I have always maintained insurance on the vehicle at all times ) I went to the dealership to see if it was an error on their end because the car was just purchased two months ago. They checked over everything and confirmed insurance is fine. I then went into a local bank to get it cleared up and brought the proof of insurance and they still refused to accept payment. I keep going up there time after time and finally someone took my proof of insurance and submitted to another department and it was accepted and I was allowed to make payments from then on. This was an error on their end. It is XXXX law to maintain insurance on financed vehicle if that was the case my license would have been suspended.

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 2025-06-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containina any of the following items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


REMOVE CREDIT INQUIRIES XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXXXXXX XXXX  ( Auto ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX 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 2025-06-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containina any of the following items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


REMOVE CREDIT INQUIRIES XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXXXXXX XXXX  ( Auto ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX 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 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of identity theft, and this account was opened without my consent. I have already filed an identity theft report with the FTC and notified the credit bureaus. 

Despite my efforts to resolve this, the fraudulent account still appears on my credit file. I am requesting the removal of this account from my credit report and a thorough investigation into how it was opened. 

Details of the fraudulent account : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/year> Balance : {$6100.00} - Credit Card I have also contacted the creditor and asked for supporting documentation, including any applications or contracts allegedly signed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, TransUnion and Experian for XXXX XXXX, XXXX. Specifically, Equifax is reporting the account as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " XXXX days late '' in the payment grid on XXXX, and a Last Payment Date as of XXXX. Experian is reporting " XXXX  '' status with a " past due XXXX days '' in the payment grid on XXXX, and a Last Payment Date as of XXXX is reporting without a complete account number XXXX reporting " XXXX XXXX XXXX XXXX XXXX  '' status but a " XXXX  days late '' in XXXX in the payment grid and a Last Payment Date as of XXXX. These reports are inaccurate and need to be updated to reflect " XXXX XXXX XXXX  '' and XXXX XXXX XXXX XXXX  '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the worst XXXX  status be updated according to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the fair credit reporting act ( FCRA ), particularly section XXXX, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of the XXXX XXXX XXXX XXXX ( XXXX ), which mandates that the consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these XXXX payments. Additionally, I request a thorough investigation into these disputed XXXX  payments as per section XXXX ( a ) ( XXXX ) of the FCRA and written confirmation of the investigation 's completion, along with details of any action taken to rectify this matter. 
Lastly, I request documentation to verify compliance with XXXX XXXX XXXX XXXX, which mandates that periodic statements must be delivered not later than XXXX days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red/blue for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within XXXX  days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I am disputing inaccurate late payment marks reported on my credit report for the following account : CITIZENSONE Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Late payment on XX/XX/XXXX Incorrect Late Payment That Must Be Removed. 

I have never made a late payment on this account and have always paid on time. I believe these late payment entries are a reporting error and are damaging my credit unfairly. 

I have already contacted the creditor and credit bureaus, but the issue remains unresolved. I am requesting that the inaccurate late payment marks be removed and my payment history updated to reflect my on-time payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
HAD A LOAN WITH COMPANY, PROPERTY WAS SOLD IN XXXX 0F XXXX MY LOAN WENT INTO DEFAULT AS OF XX/XX/XXXX. MY LAST PAYMENT TO THIS COMPANY WAS IN XXXX OF XXXX. NEW OWNERS OF THE PROPERTY BROUGHT LOAN UP CURRENT WITH MULTIPLE BALLOON PAYMENTS OVER THE NEXT XXXX  YEARS WITH XXXX XXXX. LOAN WAS PAID IN FULL BY NEW PROPERTY OWNERS IN XXXX. I HAVE NOT MADE A PAYMENT SINCE XXXX OF XXXX. XXXX XXXX IS RE-AGING MY DEBT STATING I MADE A PAYMENT AND BROUGHT THE LOAN UP CURRENT IN XXXX. I DID NOT BRING THE LOAN UP CURRENT, I HAD NO IDEA THESE PAYMENTS WERE BEING MADE. XXXX XXXX HAS PROOF I DID NOT MAKE THESE PAYMENTS. XXXX XXXX HAS KNOWINGLY CHANGED MY DATE OF FIRST DEFAULT FROM XX/XX/XXXX TO XX/XX/XXXX. I HAVE REQUESTED SEVERAL TIMES FOR THIS ISSUE TO BE FIXED. XXXX XXXX IS IN VIOLATION OF FCRS SECTION 623 ( 5 ) ( A )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
Equifax is currently reporting two hard inquiries that I do not recognize, did not authorize, and dispute as either inaccurate, unverifiable, or placed without my direct consent. These include inquiries from XXXX XXXX XXXX and XXXX, both dated XX/XX/year>2024. I did not submit a credit application to either entity on or near that date, and I have received no formal disclosures, written notices, or acknowledgment of any application that would legally justify these inquiries appearing on my credit file.

Under 15 U.S.C. 1681b ( a ) of the Fair Credit Reporting Act ( FCRA ), a credit reporting agency such as Equifax may only provide access to a consumers credit report if there is a valid, permissible purpose initiated by the consumer, such as a clearly authorized credit application. Simply having my information in a database or being pre-screened for offers does not qualify as permissible grounds for a hard inquiryparticularly when no credit application was made.

The presence of these inquiries is not benign. Hard inquiries affect credit scores and are visible to lenders and other institutions that evaluate my creditworthiness. I was recently denied credit, and one of the reasons cited was excessive recent inquiries, which makes this issue not only inaccurate but materially damaging. I previously submitted disputes through Equifaxs standard procedures but received no specific explanation, documentation, or evidence that demonstrated these inquiries were valid or authorized. This lack of transparency and failure to verify violates 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct a reasonable reinvestigation upon dispute.

If Equifax can not provide documented evidence, such as a signed credit application or timestamped electronic authorization showing I consented to these pulls on or near XX/XX/year>2024, then the continued reporting of these inquiries constitutes a willful or negligent failure to maintain maximum possible accuracy in violation of 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/year> usd XXXX  transaction through my XXXX amount of bank of america to a person named XXXX XXXX 

There's another person named XXXX XXXX who promised me to show the apartment just after making this application fee. But once I tried to contact her at the promised time to see the apartment, they never answered the calls or replied me back. 

I complained about this transaction to bank of america 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 monetary relief
Consumer complaint received 2025-06-13 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 have identified accounts on my credit report that are clearly fraudulent. I had no role in opening these accounts. As outlined in 15 U.S.C. 1681g, I request they be del

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 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX. XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail with receipt displaying my signature. If not, please delete account XXXX XXXX XXXX as soon as possible from my report or I will have to take 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 explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a funds on my debit account. It's been more than a month, and I've tired by calling several times to solve the issue, but it won't work. They hold my funds without proper reason. They did not provide the asnwer why my withdrawal hold, and they don't have any effort to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-13 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: IL

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NV

Complaint narrative:
There were fraudulent accounts on my credit report

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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
This is a formal dispute of the accounts identified in my credit file. I did not apply for or approve them. These accounts are fraudulent. Under 15 U.S.C. 1681g, I demand their removal from my credit report within 15 days. I have enclosed verification documents.

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 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incorrect dates, amounts, dates, open/closed, addresses,

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 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Nala Payments LLC
State: CA

Complaint narrative:
I sent {$87.00} to my friend in XXXX on XXXX XX/XX/year>2025 by XXXXXXXX XXXX XXXX XXXX.This money is still not delivered to him. 
I asked them about the reason, they said technical issue. 
Then I submitted the bank account statement of that account to which money was sent by me. 
It shows no money is transferred in that account. 
In short in last 2 months they are making different excuses but not they transferred the amount nor refund it to me. 
The

Company response to consumer: Closed with explanation