vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$340.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$690.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$5200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$200.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$720.00} XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo denied fraud claim after my atm card was stolen/lost in Mexico. Several transactions were submitted and authorized by an unknown individual. I asked them for the information on how many transactions are allowed, limits on the amount of the transactions, camera data, number of attempts to access accounts. I was denied the claim and the information I asked for.

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 2025-06-06 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: NY

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby request full validation and verification of this debt. Please provide the following documentation : A complete accounting of the alleged debt, including the original principal, interest, fees, and any other charges. 


The name and address of the original creditor. 


A copy of the original contract or agreement bearing my signature. 


All assignments showing the transfer of this debt from the original creditor to FH Cann & Associates or your client. 


Proof that the debt was securitized by the original creditor. 


All assignments of the debt into and out of any secured trust, and back to the original creditor ( if applicable ). 


A statement explaining your permissible purpose under the Fair Credit Reporting Act ( FCRA ) for accessing or reporting on my credit file. 


Until you have fully validated this debt, you must cease and desist from all collection activities, including calls, letters, emails, or any attempts to collect payment. Additionally : Do not review or report anything to my credit file regarding this debt while it remains in dispute. If it has already been reported, it must be marked as disputed by consumer in accordance with the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 3 ).

If this debt is transferred or sold to another collector, you are required to inform them of this dispute.

Failure to comply with these requests may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX Attorney Generals Office. I will also consider seeking legal counsel if necessary. 
Thank you for your prompt attention to this matter. I look forward to your written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
I am writing to dispute several credit inquiries listed on my report that I did not initiate or authorize. These inquiries are a result of someone fraudulently using my personal information without my knowledge or consent.

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 2025-06-06 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 2025-06-06 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: DE

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are 3 separate State of Mi accounts being reported to my Experian credit report that are completely inaccurate. I have tried fixing this issue several times on my own with no results.

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 2025-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX I'm 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 as soon as possible fro my report or I will have to take legal action.

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

Complaint narrative:
1. Summary of Issue : I am unable to access my full credit report from TransUnion to review and dispute inaccurate information, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite multiple attempts, TransUnion has failed to provide me with complete access to my credit file, hindering my ability to dispute errors and update my report as required by law. 

2. Specific Problems : - TransUnion has not provided a complete copy of my credit report upon request, preventing me from identifying all disputed items. 
- The company has not properly investigated or corrected inaccuracies as mandated by FCRA 611 ( 15 U.S.C. 1681i ). 
- I have been unable to submit disputes effectively due to restricted access to my report ( e.g., online portal errors, lack of mailed copies, or unclear instructions ). 

3. Attempts to Resolve : Called TransUnion on multiple occasions, most recently XX/XX/year> XXXX, on XX/XX/year> I sent the ID they asked me for to access my report, and received no response/inadequate resolution. The last time I called I was told a supervisor was going to call me back and when I asked when they were calling they hung up on me 4. Legal Violations : - FCRA 609 ( 15 U.S.C. 1681g ) : Failure to provide a complete credit report. 
- FCRA 611 ( 15 U.S.C. 1681i ) : Failure to conduct a proper reinvestigation of disputed items. 
- CFPB Regulation ( 12 CFR 1022 ) : Unfair practices in handling consumer disputes.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX is reporting my XXXX, XXXX, and authorized user credit card accounts XXXX  monthly with inaccurate information, including false account balances. These incorrect balances are being updated at each credit bureau every XXXX XXXX, resulting in a significant drop in my credit score. I've contacted XXXX XXXX multiple times about this issue, but they don't seem to care. I've also contacted the credit bureaus with proof and supporting paperwork. 
They are not supposed to report balances XXXX  monthly

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 2025-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Called Macys customer service for a price adjustment yesterday morning. I was told the total of the price adjustment that I would receive and I also received an email confirmation of the price adjustment. The price adjustment is not correct on my credit card bill. I am still owed the complete amount shown in the emails and promised when I called to get the price adjustment. I have had to contact Macys customer service again to try to get information regarding this. After another over XXXX minute call, still no avail. I have also had to file a XXXX complaint, still no avail.

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 2025-06-06 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:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-06-06 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: EQUIFAX, INC.
State: ID

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries 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 XXXXXXXX XXXX5 U.S.C 1681 section 602 A. 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 containing 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 ) ( 1 ) 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.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX Equifax XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several inquiries and personal information. 
Please remove the following fraudulent information. I have never given my permission to report this information on my credit report. No consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


Please remove fraudulent inquiries : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: AL

Complaint narrative:
I had a joint installment loan with XXXX XXXX XXXX, opened on XX/XX/XXXX. Due to financial hardship, the account became delinquent, and my final payment was made on XX/XX/XXXX. The account was subsequently charged off and is now reported as a Profit and Loss Write-Off by XXXX and XXXX. The charge-off status is dated as of XX/XX/XXXX. 

The debt was then transferred to or is being collected by Mercantile Adjustment Bureau , LLC. I was never formally notified in writing of the debts transfer, nor was I given a 30-day notice to dispute the debt as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). This violates my right to proper debt validation. 

Mercantile is attempting to collect the balance ( {$4700.00} ), but they have not provided any documentation validating the debt or showing they have legal authority to collect. Additionally, they have not reported the account to all three credit bureaus, creating inconsistencies in my credit file.

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

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 2025-06-06 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:
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 response to consumer: Closed with explanation