vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing a follow up complaint because both Equifax and TransUnion are reporting inaccurate information on my XXXX XXXX account, number XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is active, carries a balance of {$3700.00}, and is current. However, the reports from these credit bureaus show late payment notations that are not accurate. Equifax has listed a 30day late payment for XX/XX/XXXX, and TransUnion has listed a 30day late payment for XX/XX/XXXX. These entries are false and do not reflect the true and current status of this account, which has been maintained properly and is in good standing. I am not asking for this account to be removed from my reports. My request is only that the inaccurate delinquency notations be corrected so that the reports present accurate and fair information. Under the Fair Credit Reporting Act, I have the right to dispute and correct billing and reporting errors. Pursuant to 15 U.S. Code 1666 regarding the correction of billing errors, FCRA 611 ( 15 U.S.C. 1681i ) requiring credit bureaus to investigate disputed items, and FCRA 623 ( a ) ( 2 ) which imposes a duty on furnishers to promptly correct and update inaccurate information, the reporting agencies and the furnisher are responsible for ensuring my credit file is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a past issue where account balances were overdrawn due to financial challenges I was experiencing. I was advised by the bank after paying off the balances I can reopen new accounts. I have now corrected the issues and have paid off these balances. When I have tried to open new accounts I would get denied and be referred to CFPB for additional details. I really want to resume business with Wells Fargo Bank but I am unsure what more I can do to get a new opportunity as I have done the part required from me.

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 2025-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I was a victim of identity theft I absolutely had no clue about until last year when I tried apply for a loan myself is when I discovered the problem its been so XXXX  tryna have this removed from my credit its left me XXXX Ive never attended XXXX  also this is showing as a charge off through the fair Credit act usc 15 & 1681 I didnt authorize XXXX  to give my information to anyone neither did I authorize them to furnish this debt Im asking this be removed at its earliest convenience

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Having always met my payment obligations on time, I find it troubling to see a late payment recorded on my account. This error is causing undue XXXX, and I urge you to address it immediately by correcting my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
FCRA Method of Verification Letter XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Request for Method of Verification under FCRA XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally request the Method of Verification used to confirm the accuracy of the account listed on my Equifax credit report with the last four digits XXXX. I recently disputed this account, and I have received a response indicating that it has been " verified '' as accurate. 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I am entitled to a detailed description of how the information was verified. Therefore, I am requesting the following information : 1. The name, address, and contact information of the party or data furnisher who verified the account.

2. A detailed explanation of the method used to verify the account, including whether it was done via e-OSCAR or another automated system.

3. Any documents, records, or communications that were used in the verification process.

If you are unable to provide this information, or if the data furnisher can not verify the account with proper documentation, I demand that the account be immediately removed from my credit file in accordance with the FCRA. 

Please consider this a formal request under my rights as a consumer, and respond to this request within XXXX business days as required by federal law. 

Sincerely, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NY

Complaint narrative:
I am unable to make any transactions .I can not pay for anything I can not send or receive money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In 2024 my XXXX son was hospitalized for weeks. I was unable to work as he was in ICU and upon discharge my son had to have round the clock care. I was unable to work XXXX month the return part time for XXXXmonth before returning full time during that period i made attempt to pay on bill get payments lowered even asked about hardship option as another credit card provider extended due to nature of my circumstances this company was not willing to extend any form of grace and closed my account no notice with a charge off reporting negativity to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Having always met my payment obligations on time, I find it troubling to see a late payment recorded on my account. This error is causing undue XXXX, and I urge you to address it immediately by correcting my records.

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 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Alliance One, Inc.
State: IL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Attn : Office of the Executive Secretary XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute and Request for Investigation of XXXX Unauthorized/Disputed Hard Inquiries on Credit Report To Whom It XXXX Concern at the CFPB, I am writing to formally dispute and request an investigation into XXXX unauthorized and/or erroneous hard inquiries currently appearing on my consumer credit reports. I believe the reporting of these inquiries is a violation of the Fair Credit Reporting Act ( FCRA ) because they were made without my permission or valid business need, or they are the result of a credit file mix-up. 
These unauthorized hard inquiries are negatively impacting my XXXX XXXX and my ability to secure favorable credit terms. I have identified the following XXXX inquiries that I dispute and demand be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have asked these collection agencies for charge-off-statement and the wet signature from the original payment agreement and the ledger the amount the collection agencies paid for the charge-off. I want to confirm that this is not fraud. They refused to provide any information. Due to my employer, I must pay all collection bills that show up on my credit report. I have been making payments since XX/XX/year> and this they will not provide any of the information I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
I worked for online temporary agency called XXXX XXXX they direct deposited {$340.00} to my Cashapp account routing number XXXX, routing number XXXX on XX/XX/scrub> 2022 but the funds were never applied to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. XX/XX/XXXXet seq., and I request a thorough reinvestigation of the following items.XX/XX/XXXXWA,XX/XX/XXXX WA, XX/XX/XXXX WA, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2025, I mailed a written dispute to Equifax regarding inaccurate items on my credit report. The dispute included the following accounts and information : XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Discover Card ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Acct # XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should reflect Paid/On Time, not late ) Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( appears twice, both incorrect ) Equifax failed to provide any results of reinvestigation within the 30 days required under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 6 ). This is a violation of federal law.

What I want : Immediate deletion/correction of the above items.

An updated credit report at no charge reflecting these changes.

Notice of corrections sent to all parties who received my report within the last 6 months ( FCRA 611 ( d ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
This is my XXXX formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. XXXX ( Failure to reinvestigate ), FCRA 15 U.S.C. XXXX ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in cXX/XX/XXXXing, XX/XX/XXXX, balance updates, and account status ), ... has caused ongoing, measurable financial harm. 

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section XXXX, subjecting them to civil liability, punitive damages, and regulatory action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
The bank is holding my account bank account without any explanation. I am provided with multiple dates regarding my account, that they will provide me with an outcome soon its been over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint regarding numerous inaccuracies currently being reported on my credit file, which I believe may violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. These inaccuracies span personal identification, address history, and the reporting of several accounts. 
XXXX XXXX XXXX XXXXXXXX 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 Balance : {$370000.00} Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late 30 days XX/XX/XXXX. late 60 days XXXX. late 90 days XXXX. 
XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} Late 90 Days XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} Late 90 Days XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} Late 90 Days XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} Late 90 Days XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$940.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} AXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance : {$770.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccurate, incomplete, or unverifiable information on their credit reports. The FCRA ( 15 U.S.C. 1681i ) requires that credit reporting agencies conduct a reasonable reinvestigation of disputed information and correct any data that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint regarding numerous inaccuracies currently being reported on my credit file, which I believe may violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. These inaccuracies span personal identification, address history, and the reporting of several accounts. 
XXXX XXXX XXXX XXXXXXXX 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 Balance : {$370000.00} Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late 30 days XX/XX/XXXX. late 60 days XXXX. late 90 days XXXX. 
XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} Late 90 Days XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} Late 90 Days XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} Late 90 Days XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} Late 90 Days XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$940.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} AXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance : {$770.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccurate, incomplete, or unverifiable information on their credit reports. The FCRA ( 15 U.S.C. 1681i ) requires that credit reporting agencies conduct a reasonable reinvestigation of disputed information and correct any data that can not be verified.

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