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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I called the company wishing to dispute the debt, they said I had to pay a surcharge to begin the proceedings, and wouldnt allow me to provide evidence to clear up the falsified debt which was later disputed directly by the XXXX XXXX XXXX. I work in collections and what they did was completely wrong and dishonest and a cash grab for unsuspecting individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: KY

Complaint narrative:
Cash app closed my account without a warning. They told me i violated a term of service but not which one. They did this after i took out a XXXX dollar loan at XXXX percent interest.they told me the only way i could pay the loan back was to send a check.if i had done that the repayment would have been late.i had a few cents on the account that i cant collect or move.

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: EQUIFAX, INC.
State: CT

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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: PA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 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:
I do not recognize the negative accounts appearing on my credit

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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: NC

Complaint narrative:
Received and pulled my current credit report. XXXX noticing several errors prior from the past months that arent accurate. Its like theyre even being reviewed or investigated at all.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Received and pulled my current credit report. XXXX noticing several errors prior from the past months that arent accurate. Its like theyre even being reviewed or investigated at all.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 GA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX INQUIRIES : XXXXXXXX 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 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm filing this complaint because TransUnion continues to report inaccurate and incomplete personal information on my credit file. Specifically, my current employer, XXXX XXXX, is not listed at all. This omission misrepresents my identity and consumer profile and gives a false impression of my employment history. Ive made efforts to have this corrected, yet TransUnion has failed to update the file. Under the Fair Credit Reporting Act, XXXX XXXX. XXXX ( b ), TransUnion is required to follow reasonable procedures to ensure the maximum possible accuracy of the information it reportsincluding employment. Leaving out verified, current employment is a direct failure to meet that standard. Additionally, under XXXX XXXX. XXXX, there is no valid or permissible reason to exclude verified personal data that materially affects how my profile is evaluated. This inaccuracy has impacted my credibility and financial opportunities. XXXX continued failure to correct and report the correct employer reflects willful and negligent noncompliance under XXXX XXXX. XXXX and XXXX. These are serious violations of federal law, and I am demanding full and immediate correction.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group 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 MR. COOPER. LOAN WAS PAID IN FULL BY NEW PROPERTY OWNERS IN XXXX. I HAVE NOT MADE A PAYMENT SINCE XXXX OF XXXX. MR. COOPER 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. MR. COOPER HAS PROOF I DID NOT MAKE THESE PAYMENTS. MR. COOPER 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. MR. COOPER IS IN VIOLATION OF FCRS SECTION 623 ( 5 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Transunion XXXX Department, I am writing to inform you of an error on my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ) and 15 U.S.C. 1681. I am writing to formally dispute the accuracy of the accounts and collections listed on my credit report. Upon reviewing my credit report, I noticed that the collections accounts referenced below are incorrect and should be removed. 


Details of the disputed account : Account Name : XXXX XXXX XXXX  Account Number : XXXX The collection account listed above is incorrect for the following reason : I have no recollection of this account. 




Details of the disputed account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The collection account listed above is incorrect for the following reason : I have no recollection of this account. 




Details of the disputed account : Account Name : XXXX XXXX XXXX Account Number : XXXX The collection account listed above is incorrect for the following reason : I have no recollection of this account. 


Details of the disputed account : Account Name : XXXX XXXX XXXX Account Number : XXXX The collection account listed above is incorrect for the following reason : I have no recollection of this account. 


Details of the disputed account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The collection account listed above is incorrect for the following reason : I have no recollection of this account. 


I request that you investigate this matter and remove the entry from my credit report. According to the Fair Credit Reporting Act, you are required to investigate disputes within XXXX  days and provide me with the results. Please confirm receipt of this letter and inform me of the status of the dispute at your earliest convenience. Should you require additional documentation or clarification, I am happy to provide it. Thank you for your prompt attention to this matter.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Ava Finance, Inc
State: VA

Complaint narrative:
Over the course of 12 months, I contributed a total of {$270.00} to a Save & Build account with Ava Finance. On XX/XX/year>, Ava acknowledged that the funds could be released to me. I was then told on XX/XX/XXXX that the funds would be available shortly. 

Since then, Ive followed up multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and have received repeated, vague responses stating that the matter is being escalated to their Accounts or Technical teams. 

As of XX/XX/XXXX, the funds have still not been released. I was also locked out of my account during part of this time, and I continue to receive inaccurate past due notifications, which Im concerned may affect my credit. 

I have attached : Proof of the {$270.00} contribution and withdrawal request Email correspondence with Ava Finance staff ( XXXX, XXXX, and XXXX ) Screenshots showing account status, error messages, and the false overdue alerts Avas most recent message on XX/XX/XXXX, from a Senior Manager, still failed to provide a resolution or timeline. This delay is unacceptable. 

I am requesting : Immediate release of my {$270.00} Correction of my account status and removal of false past-due alerts Confirmation that my credit report will not be negatively impacted

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 information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up to my earlier dispute about the account listed. Even after my efforts, the credit report still shows incorrect and incomplete information. I am now formally requesting a detailed explanation of the procedures you used to investigate this account. As required by law, you must provide this information within 15 days of receiving this notice. If you can not verify the details or fail to respond, I ask that the disputed items be removed. A copy of my original request is attached for reference. Thank you for your prompt attention.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX since I was never XXXX. " I recently reviewed my consumer report and noticed an incorrect XXXX payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) 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 XXXX payments, I demand these payments to be updated to on time as they should be as I was NEVER XXXX. 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are fraudulent accounts appearing on my credit report that I neither opened nor approved. I am demanding their prompt deletion in accordance with 15 U.S.C. 1681g. Please act on this request within 15 days. Attached are the relevant 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 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: MI

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: AL

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 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: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/year>, I received an email from XXXX notifying me of a payment issue. Before I could even respondand despite the fact that I had already secured the necessary funds to resolve the XXXX abruptly closed my account, leaving me without access to XXXX XXXX XXXX in hard-earned rewards and XXXX XXXX XXXX XXXX XXXX I did not receive any written notice prior to the closure or opportunity to even resolve the payment of {$850.00}. 

This is not just an inconvenience or a minor XXXX  This is a blatant example of unfair treatment by a major financial institution. I am a loyal customer who maintains an active XXXX XXXX account and another open XXXX  card with XXXX. The sudden closure of this accountwith no warning and no opportunity to resolve the issuedemonstrates a lack of basic fairness and respect for consumers. It undermines trust in the banking system and raises serious questions about XXXX compliance with consumer protection laws.

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