vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-06 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I sent a formal Debt Validation Request to National Credit Systems , Inc. on XX/XX/year>, delivered XX/XX/year>, requesting proof of the alleged debt ( Account XXXX ). They did not provide any validation or documentation within 30 days as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Despite failing to validate, they reported and verified this account with the credit bureaus, which violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I request that this account be removed from my credit report and that the company be reviewed for compliance with debt collection and reporting regulations. Attached are my proof of delivery and a copy of my validation request letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-10-06 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : See attached

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 2025-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I financed a XXXX XXXXXXXX XXXX through Santander. The vehicle was declared a total loss by XXXX after an accident in which I was the no-fault driver. I filed a GAP claim to cover the remaining balance. My GAP provider stated they could not cover the full balance due to deferments, fees, and interest extensions applied by Santander.

Although I received a response explaining the GAP calculation, I still believe it is unfair that I am being held responsible for paying over {$11000.00} on a vehicle that is totaled and no longer drivable. I was never clearly informed that deferments would reduce my GAP protection, and this situation has caused significant financial hardship. I am seeking a fair resolution that reflects the intent of my GAP coverage and total loss protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a hard inquiry that appears on my credit report, which I did not authorize and believe to be fraudulent. The details of the inquiry are as follows : Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX, XXXX, 2025 Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report for a permissible purpose and with the consumer 's authorization. I did not grant permission to this company to access my credit file, nor did I initiate any application for credit, insurance, or other services that would justify this inquiry.

Therefore, pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I am requesting that you initiate an investigation into this unauthorized inquiry. If you find it to be inaccurate or unverifiable, you are required by law to delete it from my credit report within 30 days.

In support of this dispute, I have enclosed the following documents : A copy of my government-issued photo ID A recent utility bill to verify my identity and address A copy of my credit report with the fraudulent inquiry highlighted I further request that, upon completion of your investigation, you send me written confirmation of the results and an updated copy of my credit report reflecting any changes made.If you determine that this inquiry was indeed unauthorized or fraudulent, I expect its immediate removal in compliance with federal law. 
Thank you for your prompt attention to this matter. Please contact me at the phone number or email address listed above if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00}

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a written dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i to Experian on XX/XX/year>. My dispute requested an investigation of inaccurate information appearing on my credit report. The bureau received my dispute, via XXXX tracking confirmation on XX/XX/year>. I also followed up to my original investigation request to request immediate removal of the items from my credit report XX/XX/XXXX, delivered XX/XX/XXXX. As well as XX/XX/XXXX, delivered XX/XX/XXXX, certified mail with no response. 
Under FCRA 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency is required to complete a reasonable reinvestigation within 30 days ( or 45 days if additional information is provided ). That deadline has passed, and I have not received any response or results of the investigation.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I sent {$1800.00} from my Cash App account ( linked to my TXXXX XXXX XXXX  card ending XXXX ) to another Cash App account. The transfer was made under the belief that it was a legitimate transaction, but it turned out to be part of a scam. 

I immediately contacted Cash App Support and XXXX XXXX XXXX after realizing the fraud. I provided full transaction details, screenshots, and the Cash App Transaction ID ( XXXX ). 

Despite explaining clearly that the transaction was fraudulent and unauthorized, Cash App denied my claim, stating that the payment was authorized, even though it was made under deception and false representation by the scammer. 

I also filed a report with IC3 ( FBI Internet Crime Complaint Center ), Submission ID XXXX. 
Neither Cash App nor XXXX XXXX XXXX has refunded the money or provided proper documentation explaining their denial, despite multiple follow-ups.

I am requesting a full refund of {$1800.00} and a review of Cash Apps handling of this dispute, as their decision does not reflect the evidence of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that receiving lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: KS

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXXRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year> XXXX XXXX  XXXX XXXX  - XX/XX/year> XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

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 2025-10-06 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: IL

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 non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns about Zelle how in dispute particularly in the light of CFPB lawsuit significantly highlighting issues with the platform despite using Zelle numerous times I found discrepancies my Zelle and my financial Institute failed to review my claims they informed me that recovering losses was impossible they fail and I only protect my friends, but they let criminals. Keep you keep doing to me often and often.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXXXXXX XXXX XXXX | XXXX XXXX XXXX | XXXX  XXXX | XXXX XXXX XXXX  XXXX | XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XX/XX/year> | XXXX XX/XX/year> | XXXX  XXXX XX/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 non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERIS BANCORP
State: NH

Complaint narrative:
I am writing to formally report a serious privacy breach involving my personal information. Ameris Bank sent my credit report and denial notice to an entirely incorrect address. The residents at that address opened the documents and subsequently notified me of the banks error. 

When I initially raised the issue with the mortgage officer who processed my application, I received no response. I then submitted a complaint through Ameris Banks online customer service portal. The response I received was both incorrect and dismissive : " Thank you for contacting Ameris Bank. This department can not access mortgage customers. Based on the information you provided, the loan which originated with Ameris Bank is now serviced by XXXXXXXX XXXX For further assistance with the loan account, please contact XXXXXXXX XXXX at XXXX. '' This response is inaccurate. I do not hold a mortgage with Ameris Bank this matter concerns a mishandled application. The mailing error originated from Ameris Bank and therefore remains the banks responsibility. 

I applied online through their website and was in regular communication with XXXX of the bank 's employees, XXXX XXXX XXXX, who has not responded to my inquiries or shown concern for this serious breach. 

Given the sensitivity of the personal and credit information disclosed to third parties, I request : A full investigation into this privacy breach ; Written confirmation of the corrective and preventive measures taken ; and XXXX that my personal data will be handled in strict compliance with all applicable privacy, banking, and credit reporting laws. 

Please acknowledge receipt of this complaint and confirm the steps that will follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: VA

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation