vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report, as my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 entitle me to accurate reporting. Upon reviewing my credit file, I found several discrepancies that must be corrected immediately. 

Disputed Information : XXXX. Personal Information Errors : Incorrect names : My report lists multiple variations ( XXXX XXXX XXXX and XXXX XXXX ). Only [ XXXX XXXX ] is accurate. 

Incorrect birthdate : My correct date of birth is [ XXXX ], but my report lists XXXX must be fixed. 

Incorrect addresses : Remove : XXXX XXXX XXXX, XXXX, TN XXXX XXXX, TN XXXX XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX Cross XXXX XXXX XXXX XXXX, XXXX, TN XXXX as I have not resided at these locations. 



XXXX. Inaccurate Account XXXX : XXXX Bank ( Account # XXXX ) ** XXXX balance inconsistencies ( {$6400.00} vs. {$6300.00} ). 

The credit limit is missing in XXXX report. 

The status says " XXXX, '' but I never received notice under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ). 


XXXX Bank ( Account # XXXX ) ** XXXX last payment dateone report states XX/XX/XXXX, another XX/XX/XXXX. 

Credit limit missing in XXXX report. 


XXXX XXXX Account # XXXX ) ** The account is inconsistently listed as XXXX and XXXX. 

The balance is reported as {$4300.00} in XXXX report and {$3500.00} in another. 


XXXX XXXX Bank ( Account # XXXX ) ** Remarks state Account disputed, yet no verification was provided under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ). 


XXXX XXXX XXXX ( Account # XXXX ) ** Possible duplicate collection. The FCRA prohibits listing the same debt multiple times. 




XXXX. Inquiries Not Authorized : Duplicate hard inquiry from XXXX ( Dates : XX/XX/XXXX & XX/XX/XXXX ). 

Hard Inquiries to Be Removed ( Unauthorized or Duplicate ) KTVAECU-PQ ( Duplicate Inquiry ) XX/XX/XXXX XX/XX/XXXX First XXXX Bank XX/XX/XXXX ( unauthorized ) WebBank/OneMain XX/XX/XXXX ( unauthorized ) TBOM/Milestone XX/XX/XXXX ( unauthorized ) Cap XXXX NA XX/XX/XXXX ( unauthorized ) Legal Basis for Dispute : Under 15 U.S.C. 1681i ( a ), I request that you investigate and correct these inaccuracies within 30 days or provide written evidence that verifies their accuracy. If these errors are not corrected, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action for non-compliance.

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 2025-02-02 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: NJ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandate a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( FILE NO. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof on investigation 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 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

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 2025-02-02 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: NJ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandate a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( FILE NO. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof on investigation 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 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

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Per, 15USC1681i ( a ) ( 6 ) ( B ) ( iii ), that if the consumer requests a description of the procedure that was used to determine the accuracy and completeness the CRA was supposed to send the consumer that specific information within 5 days, neither Equifax or XXXX did that. 

I dispute this account, XXXX # XXXX on XX/XX/year>. I asked them to verify/validate the account per 15USC1692g, that never happened. All I was sent was a credit card bill. I then requested a description of the procedure that was used to determine the accuracy and completeness of the information that I disputed. Who did Equifax and XXXX interview regarding this account? How did Equifax and XXXX come to this determination? I have yet to receive any response from Equifax and XXXX regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
Money was sent to wrong person and when both myself and the person that it was sent to contacted chime they said they couldnt help us

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
ACCOUNT # XXXX These debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXXXXXX XXXX and XXXX XXXX EST. Dont send any mail whether its USPS XXXX XXXX XXXX XXXX or any courier and skip the phone calls and voicemails its just one big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: SC

Complaint narrative:
On XXXX the XXXX 2025 I notice that a XXXX XXXX XXXX Checking Line of Credit Account Number XXXX was on my credit report and did authorize this account to be open. I contacted the creditor, and they notice that it was fraudulent. I immediately called XXXX XXXX XXXX XXXX and went to the local police department a filed a report. I also attached the letter from XXXX and their investigation results, police report, FTC report and a copy of my ID

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 2025-02-02 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: SC

Complaint narrative:
On XXXX the XXXX 2025 I notice that a XXXX XXXX XXXX Checking Line of Credit Account Number XXXX was on my credit report and did authorize this account to be open. I contacted the creditor, and they notice that it was fraudulent. I immediately called XXXX XXXX XXXX XXXX and went to the local police department a filed a report. I also attached the letter from XXXX and their investigation results, police report, FTC report and a copy of my ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXX I went to XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX At that time they were offering me XXXX XXXX which I told them I was not interested in. That day they performed a series of XXXX and XXXX that were supposed to locate what I needed. At the end of my XXXX they made me sign a series of documents in English supposedly to finance the amount of the XXXX but then I realized that they had included there an XXXX XXXX  that I never had. I already paid for the amount I used for the XXXX but I am not willing to pay for anything else that I did not use. 
The XXXX XXXX and the Credit Card Company are already aware of the situation and have promised to resolve it but I am still waiting for them to cancel the debt and it is not happening. 
to cancel that debt and it is not happening to date.

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 2025-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
FOCUS FINANCIAL SERVICES OPEN DATE : XXXX AMOUNT {$1900.00}. I CONTACT THEM ABOUT THIS BILL. AND I DONT KNOW ANYTHING ABOUT THIS BILL. AND I HAVE INSURANCE, THAT I PAY COPAY TO HOSPITALS OR XXXX OFFICES. SO I DONT KNOW NOTHING ABOUT THIS BILL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
In the month of XXXX we received a letter that the escrow account was short due to a disbursement of a payment for home insurance since we changed insurance companies and that as of XXXX our mortgage payment was going to increase from XXXX to XXXX. We made a payment for the insurance disbursement of {$1700.00} in XX/XX/XXXX. This payment should get escrow up to date and payments should have been recalculated for the month of XXXX. When I called in XXXX I was told it could take 30 days for payment to be recalculated. when we received our statement in XXXX for the month of XXXX payment was still showing at XXXX. I waited hoping this would get corrected. Around XX/XX/XXXX approximately I called again and asked why the payment had not been recalculated if we have made that payment in XXXX. The person whom I spoke to said that because we did not made a full payment towards escrow in the amount over XXXX which included an adjustment for estimated escrow for the 2025 year. The payment did not triggered an adjustment in payment. I told the agent that I understood but it should have been adjusted based on the {$1700.00} dollars that was paid in XXXX. The agent said that it normally took 30 days for the adjustment to be processed but since it was not done in XXXX she was going to have this expedited and it was going to take a week or so to be done so it would reflect the correct payment. I explained to her that I was not able to afford the high payment of XXXX that it was almost XXXX dollars more a month and I was in XXXX. I told her I will just wait to pay the mortgage on XX/XX/XXXX hopefully the payment was already recalculated. On XX/XX/XXXX to XX/XX/XXXX their payment system was down and we were not able to make the payment as it was cut off of XX/XX/XXXX end of the grace period. 

Now we received a letter saying that the {$970.00} dollars which is an estimate of the payment after the recalculation has not been posted to the account and not applied towards any payment and plus we are being charged late fees even if their payment system was down. So now they are not applying our payment we made plus adding late fees and still they have not recalculated our correct payment based on the escrow payment we made back in XX/XX/XXXX of {$1700.00}. The agent said pay the full amount and we can reimburse you later. I told her NO because the last time I did that it took over 48 days for them to reimburse my own money, when my other bank sent doble payment in error.

I want this to be resolved asap, I been making payment of escrow and mortgage and they are just not applying and recalculating payments as they should.

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 monetary relief
Consumer complaint received 2025-02-02 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: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Navy Federal Credit Union XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Demand for Compensation Due to Unjust Account Closure To Whom It May Concern, I am writing to formally demand compensation for financial and reputational damages caused by the abrupt and unjust closure of my accounts with Navy Federal Credit Union . Your actions have resulted in severe consequences, including financial hardship, damage to my credit standing, and emotional distress. 

Pursuant to 12 U.S.C. 5531 under the Consumer Financial Protection Act ( CFPA ), financial institutions are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). Your failure to provide proper notice or justification for the account closures violates these federal protections. Furthermore, if you have reported any negative information to credit bureaus, this constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, entitling me to compensation for damages.

As a direct result of your actions, I have suffered the following damages : Financial Losses I was unable to access my funds, causing missed payments, overdraft fees, and financial penalties.

Credit Damage Any negative reporting due to the closure of my accounts has harmed my credit standing, making it harder for me to obtain financial services.

Emotional and Reputational Harm The sudden closure of my accounts has caused undue stress and embarrassment.

To resolve this matter, I am demanding the following : Immediate reimbursement of financial losses, including overdraft fees, penalties, and any related costs.

Compensation for credit damage if my score was negatively impacted.

A written confirmation that no negative reports were sent to credit bureaus or, if reports were made, their immediate deletion.

A settlement payment for damages caused by the account closure and distress.

If you fail to address this matter within 14 days, I will have no choice but to escalate my claim through legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing a lawsuit for damages under 15 U.S.C. 1681n and 1681o. 

Please respond in writing by [ XXXX 14 days from today ] to confirm your resolution of this matter. 

Sincerely, [ XXXX XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: AZ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
XX/XX/year> XXXX I was scam for credit repair services I tried to contact the receiver but she blocked me. 
Amount {$420.00} XX/XX/year> XXXX I was scam for credit repair services I tried to contact the receiver but she blocked me. 
Amount {$200.00} XX/XX/year> XXXX I was scam for credit repair services I tried to contact receiver but she blocked me Amount {$200.00} These transactions were made through cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: GA

Complaint narrative:
To whom it may concern, I XXXX XXXX submitted a complaint against Trans Union on XX/XX/2025. I submitted this complaint with supporting documents, and certified mail in writing.I submitted the documents to all 3 credit agencies with the account coming back verified as fraudulent and removed from my credit file. On XXXX the account was added back to me credit file only by trans Union XXXX I immediately call Trans Union and demanded an explanation. They told me that the creditors requested it be added back to my credit file. The XXXX # XXXX from and also the call # XXXX. I spoke to XXXX a supervisor in special handling. My right has been violated under Section 605b. I demand this accuse removed.

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