vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this CFPB complaint regarding inaccurate personal information being reported to my Equifax consumer report and Equifax customer portal account. I have attempted to dispute my full legal name because the information currently on file are inaccurate variations of my name. Equifax is not allowing me to dispute the inaccurate information through its customer portal and instructs me to upload proof of verification before attempting to update it. Even when following instructions, it still doesn't work. This is unnecessary and should be corrected promptly. This is in fact my confidential information that creditors can see when reviewing my consumer report to determine my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: HI

Complaint narrative:
I am disputing unauthorized access to my credit report. Several companies have made inquiries without my consent, directly harming my credit and credit score. I previously contacted your agency and was assured these inquiries would be removed, yet they remain. 

This failure to act is unacceptable. The continued presence of these unauthorized inquiries is highly alarming, suggests possible identity theft, and is causing me ongoing harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$38000.00}, department of education XX/XX/XXXX {$7100.00}, department of education XX/XX/XXXX {$7000.00}, department of education XX/XX/XXXX {$5100.00}, department of education XX/XX/XXXX {$3900.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NM

Complaint narrative:
Billing errors and improper payments. Statements do not match actual balance and immediately after notifying PNC bank agent XXXX XXXX of billing errors missing deposits etc. PNC BANK Decided to remove my online access after I just opened new premiere checking account made report with local PD and FTC online etc. bank is not assisting in investigating because they are trying to cover up. See attached bank statements. I have been attacked every time I deal with XXXX XXXX. She has gone out of her way to do so and Im tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover closed my dispute under the wrong reason code. My case is clearly services not rendered ( prepaid XXXX  years, merchant shut down in XXXX ). They refuse to reconsider under the correct code. By demanding an impossible standard of proof, theyre denying me dispute rights available under their network rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXTransUnion Consumer SolutionsXXXX XXXXXXXX XXXX XXXX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft VictimXXXXDear Transunion Consumer Services,XXXXI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profileXXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changesXXXXIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided aboveXXXXThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: NC

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 2025-08-23 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: IN

Complaint narrative:
On XX/XX/year> my cashapp account was suspended as a precaution. Its been 6 months since then and I have yet to get a reason on why it was suspended or when I will get my money back. There it XXXX that I am unable to withdrawal. Every time I reach out to customer service I am told that somebody will email me. Once I receive the email I am told there is nothing they can do and will be closing my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: GA

Complaint narrative:
I hope this message finds you well. I am writing to file a formal complaint regarding the reporting of my mortgage account with XXXX XXXX XXXX, account ending in XXXX, and to request the Consumer Financial Protection Bureau 's assistance in resolving a matter that has severely impacted my credit profile. 

In good faith, I attempted to communicate my circumstances to XXXX XXXX XXXX and expected that any necessary accommodations or deferments would be handled in accordance with the CARES Act and related federal guidelines. During this period, I prioritized transparency and did not intentionally neglect my responsibilities. Unfortunately, the support I expected appears to have failed in execution. 

Recently, when reviewing my credit reports, I was alarmed to discover the following late payment entries reported by XXXX XXXX XXXX : XXXX days late in XXXX, XXXX, and XXXX XXXX XXXX days late in XXXX XXXX XXXX days late in XXXX XXXX XXXX  days late continuously from XX/XX/XXXX through XX/XX/XXXX, and again from XX/XX/XXXX through XX/XX/XXXX These reported delinquencies have had a devastating effect on my credit, impacting my ability to secure reasonable financial terms for housing, transportation, and other basic needs. 

What is most troubling is that I believed I was under the protection of the CARES Act during this period. If these protections had been properly applied, these delinquencies may not have been reportable under federal law.

As a consumer, I am exercising my rights under multiple consumer protection laws, including : 15 U.S. Code 1666 grants me the right to dispute and correct billing errors 15 U.S. Code 1666a prohibits creditors from reporting disputed information without a fair investigation FCRA 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to investigate disputed items within XXXX days FCRA 623 ( a ) ( 2 ) mandates that creditors correct or remove inaccurate or incomplete data they furnished I have submitted prior disputes directly with XXXX XXXX XXXX, but to date, I have not received satisfactory confirmation that a full investigation was conducted, or that the CARES Act implications were factored into their reporting decisions.

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 2025-08-23 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: GA

Complaint narrative:
Inquiry from XXXX XXXX on XX/XX/year>. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.

Inquiry from XXXX on XX/XX/year>. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Inquiry from XXXX on XX/XX/year>. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.

Inquiry from XXXX on XX/XX/year>. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.

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 2025-08-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
The company has been advised numerous times not to contact the number on file. Phone calls from automated dialer continue as soon as the next day. Each time they ask is it okay to contact the # on file, the answer is no. however the calls continue the concern has been raised not to contact however the calling continues

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 2025-08-23 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:
A XXXX XXXX  account amount {$5000.00} is showing inaccurate amount and dates. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692c ( c ) ), I hereby demand that you immediately cease all communication with me regarding the alleged credit card debt referenced above.

I will not tolerate further calls, letters, or electronic communication from your company or any affiliates. Any attempt to contact me beyond what the FDCPA permits will be documented and considered a violation of federal law, subject to legal action.

If you believe you may still have legal remedies, you are hereby notified that you may only communicate with me by mail to inform me of one of the following : That collection efforts are being terminated, or That you intend to pursue specific legal remedies.

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 2025-08-23 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: CA

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 2025-08-23 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: CA

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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: AR

Complaint narrative:
While speaking with the Credit company XXXX, I advised them on several occasions that I can pay the balance in full if late charges are waived. I was advised several times by agents that they would check and speak with superiors. I spoke with a gentleman at one point who explained and advised late charges could only be waived per day and set up multiple callbacks. The callbacks/ follow ups did not come from the same person after the second day. I once again negotiated the to pay the entire balance with removal of late charges. I later contacted the company to pay and was advised my credit card was closed at my request. I advised it was an error. I later called back and asked for the information to be escalated and reviewed. No follow up or further information was provided.

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 2025-08-23 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:
I submitted a mailed dispute to Experian on XX/XX/year> regarding inaccurate student loan information being reported by XXXX. The disputed accounts are outdated, misleading, and contain discrepancies in their reporting, including inconsistencies in status, terms, and balances. 

My mailed dispute included a copy of my Experian credit report with the accounts clearly identified, a detailed dispute letter explaining the errors, and proper documentation including proof of identity and address. The package was sent via certified mail with tracking and confirmed delivery.

Experians response did not address my specific concerns. They returned a

general form letter stating that the information was verified as accurate but provided no details about how the reinvestigation was conducted or how the data was verified. One account was marked Updated with no meaningful change to the reporting, while the others remained unchanged. This does not meet the standard of a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ).

I am requesting that the Consumer Financial Protection Bureau assist in ensuring that Experian complies with its FCRA obligations by properly investigating these disputed accounts and correcting or removing any inaccuracies. The current reporting is harmful to my credit and has not been appropriately addressed despite a formal dispute.

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