vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: TX

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 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-05 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: FL

Complaint narrative:
I am writing to formally dispute the delinquent and derogatory items listed on my credit report. 
The information contained in my Experian report is inaccurate, and I request a thorough investigation of the following entry : Account Name : XXXX  XXXX Credit Card Account Number : XXXX Discrepancy : This account was marked as a XXXX late payment in XX/XX/year>, but I have records showing that the payment was made on time. There is no reason for this late payment status to be reported

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing this complaint against Cash App ( Block , Inc. ) due to an unexplained restriction or action taken on my account. Despite multiple attempts to contact their support team, I have not received any specific information regarding the alleged violation that led to this decision.

Cash App has failed to : Provide a clear explanation or documentation of the issue.

Offer a resolution process or appeal opportunity.

Comply with their own user agreement and federal consumer protection guidelines regarding transparency and fair treatment.

This lack of communication and accountability has caused undue stress and inconvenience. I am requesting that the CFPB investigate this matter and ensure that Cash App provides a formal explanation and a path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
See that all disputed accounts are erased quickly as legally mandated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Explanation : XXXX has not provided any verifiable documentation showing that the agreement was validly executed or that the promised services ( training, rebate, and event support ) were delivered. 
The companys only written response ( via the XXXX  ) cited a generic All Sales Final clause from an unattached Terms & Conditions webpage that was never signed or acknowledged.

They have not produced : Proof of reissued or valid quote ( the original expired before signing ).

Any training completion record or service logs.

Documentation confirming delivery of the {$19000.00} rebate promised in writing.

Evidence of event participation or support.

A valid explanation for the incorrect professional license number or unauthorized signature on the contract. 

Summary : XXXX has provided no substantive documentation to rebut or justify the dispute and has failed to resolve the issue directly with the consumer.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Hello, I trust that everything is going well. I am composing this letter to discuss the accounts listed below. That information is included in my credit report and is having a significant impact on me. I am a victim of identity theft, and my information was compromised, resulting in the appearance of these accounts on my credit report.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
It has come to my attention that XXXX XXXX XXXX XXXX XXXX is not licensed to collect debts within the State of XXXX, as required under the XXXX XXXX XXXX, XXXX XXXX et seq., which governs collection practices. 

By attempting to collect, verify, or report a debt in Michigan without an active state license, your company is operating outside the scope of lawful authority. This constitutes an unfair and deceptive practice under FDCPA 807 and a violation of FCRA 607 ( b ) for furnishing false or unverified information. 

Combined with the fact that you have provided XXXX different billing statements and have refused to supply a valid chain of assignment or signed contract, it is clear the alleged debt is unverifiable and illegally pursued. 

Accordingly, I demand immediate deletion of the Security Credit Services account from all credit bureaus and compensation for damages caused by your unlawful actions. Failure to comply within XXXX ( XXXX ) business days will result in complaints to the XXXX  Attorney General, CFPB, FTC, and initiation of civil proceedings for violations of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/year> Consumer Financial protection Bureau Attn : Consumer Response Division P.O. XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am submitting this correspondence to clarify and challenge Experian Information Solutions , Inc 's assertion that my CFPB complaint # XXXX " involves the same issues raised in pending or prior litigation ''. This statement is factually inaccurate, misleading, and obstructive to the resolution process facilitated by the CFPB. 

As of the date of this letter, no pending litigation exists between me and Experian related to the subject matter of this complaint. Experian 's response appears to be a tactical misclassification used to avoid direct accountability and the production of records or corrective action required under the Fair Credit Reporting Act ( FCRA ). 

I request CFPB : XXXX. Reopen and continue the complaint process to require a substantive response from Experian ; and XXXX. Require Experian to provide documentary evidence of any litigation they allege is pending or has been adjudicated involving me, including the court name, case number, and filing date ; or XXXX. If no such litigation exists, direct Experian to immediately retract their false claim and submit a full response to my dispute and supporting evidence as required under 15 U.S.C. 1681i. 

My complaint filed on XX/XX/year>, concerns Experian 's ongoing failure to conduct a lawful reinvestigation and correct inaccurate or unverifiable information on my consumer report. The company 's latest entry - dated XX/XX/year> states : " Company responded there is litigation involved ''. 

This entry has no factual basis and prevents CFPB mediation from proceeding in good faith.

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 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WESTERN ALLIANCE BANCORPORATION
State: NJ

Complaint narrative:
On XX/XX/scrub>XXXX we contacted Western Alliance ( WA ) inquring about our Escrow Account Disclosure Statement ( dated XX/XX/year> ) shortage due to a sizable increase in the our homeowners ins renewal. We obtained less expensive homeowners ins and sent WA the paid receipt representing payment of the entire premium for the year and named insured cert from XXXX XXXX ( new homeowners ins company ) on XX/XX/year> and requested the homeowners be removed from the escrow. We called WA on XX/XX/year> to check on the status of our Escrow Account Statement re-analysis and to make sure our account was accurately reflecting that the mortgage payment would include escrow for real estate taxes only. We were told it did not because they forgot to tell us we needed to sign an Escrow Waiver Request form and that it would take them XXXX to XXXX  days for them to upload this form to our account for us to sign. The XXXX Escrow Analysis was uploaded to our account on XX/XX/year>. The escrow waiver form was uploaded on XX/XX/year> the same day they auto deducted our mortgage payment which included the shortage spread amount. They did not give us time to pay the shortage spread so it would not be included as part of our montly mortgage payment. We uploaded the Escrow Waiver form XX/XX/year>. Every time we called were were given information that was not consistent with our previous calls making it VERY hard to do business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
Its not a fair reflection of my financial position.

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 2025-11-05 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 am filing a complaint under the Fair Credit Reporting Act ( FCRA ) for inaccurate and unverified information being reported on my credit file. 
The credit bureaus ( Experian, Equifax, and TransUnion ) are reporting accounts and/or inquiries that have not been properly verified and are damaging my credit profile. 
I have previously disputed these items directly, but they remain unresolved. 
This is a violation of FCRA Sections 602 ( A ), 611, and 623, which require that all reported information be accurate, verifiable, and updated promptly. 
I request a formal investigation by the CFPB to ensure compliance and removal of all unverified or inaccurate items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I am filing a complaint under the Fair Credit Reporting Act ( FCRA ) for inaccurate and unverified information being reported on my credit file. 
The credit bureaus ( Experian, Equifax, and TransUnion ) are reporting accounts and/or inquiries that have not been properly verified and are damaging my credit profile. 
I have previously disputed these items directly, but they remain unresolved. 
This is a violation of FCRA Sections 602 ( A ), 611, and 623, which require that all reported information be accurate, verifiable, and updated promptly. 
I request a formal investigation by the CFPB to ensure compliance and removal of all unverified or inaccurate items 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 explanation
Consumer complaint received 2025-11-05 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec XXXX XXXX, ( a, b ) XXXX, within FCRA rights and requirements the attached items must be removed immediately. Items that are beyond statue of reporting must be removed along with the rest of said unauthorized accounts! These items are a grave violation to my consumer credit report under FCRA U.S.C Sec XXXX XXXX which explains if an item can not be verified XX/XX/XXXX days from receipt ( late payment, XXXX form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within XX/XX/XXXX days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec XXXX laws at any point. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX Date Opened XX/XX/XXXX Balance {$390.00} XX/XX/XXXX Date Opened XX/XX/XXXX Balance {$400.00} XXXX Date Opened XX/XX/XXXX Balance {$690.00} XXXX XXXX XXXX XXXX date opened XX/XX/XXXX Balance {$740.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00XX/XX/XXXXDate Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1300.00} XX/XX/XXXXate Opened XX/XX/XXXX Balance {$260.00} XX/XX/Date Opened XX/XX/XXXX Balance {$170.00} XX/XX/XXXX Date Opened XX/XX/XXXX Balance {$120.00} * * Inquiries * * XXXXXX/XX/XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXX/XX/XXXX( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXX/XX/XXXX ( Bank ) XX/XX/XXXXXX/XX/XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXX/XX/XXXX ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX OF XXXX ( Auto ) XX/XX/XXXX XX/XX/XXXXXXXX ( Bank ) XX/XX/XXXX XXXXXX/XX/XXXX ( Finance ) XX/XX/XXXXXX/XX/XXXXXXXX ( Bank ) 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 explanation