vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts that I do not recognize and never authorized, which are the result of identity theft. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and attached the documentation as evidence. These fraudulent accounts include : XXXX : Reporting on equifax as a charge off with {$0.00} balance account nomber XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Reporting on TransUnion, Experian, and Equifax with an alleged balance of {$0.00} account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Reporting on equifax with an alleged balance of {$0.00} Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Reporting on Experian and Equifax with an alleged balance of {$0.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never applied for, opened, or authorized any of these accounts. The information is inaccurate and is damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) Sections 602A, 609, and 611, I am requesting the immediate deletion of these accounts from my credit reports, as they are unverifiable and the result of identity theft.

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 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Cease and Desist 15 U.S.C. 1692c ( c ) For Account # XXXX To Whom It May Concern : This letter serves as my formal demand, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, that you immediately stop all communication with me regarding the alleged debt you claim I owe. 
You may contact me only to confirm you will stop contacting me, or to notify me of specific legal action you intend to take. Any other communication will be treated as a violation of federal law, and I will report it to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 
This notice is sent via certified mail and is effective upon your receipt. 
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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
CFPB Complaint Update Cash App Blocking Formal Reply, Ongoing Appeal, and Legal Violations This update is in direct response to an email I received from Cash App Complaints today, stating that my case will now take up to 30 business days to resolve. That message instructed me to respond to this email directly with any additional questions. 

I attempted to reply with my full legal appeal, which included a formal request for a re-investigation, a notice of retaliation, and documentation of Cash Apps violations under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX My reply was blocked, and I was told I had to use their in-app support instead. 

When I complied and submitted the same message through their app, I was again forced into an automated Pick a transaction process that makes it impossible to address the full account and transaction pattern as a whole. This is the same procedural obstruction I have been reporting since my initial complaint. 

I am still formally appealing all prior decisions in this matter and will continue to do so because Cash App has : Exceeded both the original 15 business day and extended 30 business day timelines without providing a substantive update or findings. 
Refused to review my account as a whole despite my original request for help distinguishing authorized from unauthorized transactions. 
Instructed me to dispute each transaction individually, then closed my account and labeled transactions fraudulent without a complete investigation. 
Sent only a list of transactions without findings or determinations, which does not meet the XXXXRegulation XXXX requirement for a reasonable investigation. 
Blocked my ability to formally reply to their complaints email despite inviting me to do so in writing. 
Forced me into a limited dispute process that obstructs due process and prevents a full review of the transaction pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: AZ

Complaint narrative:
REMOVE AND BLOCK ALL FRAUDULENT ACCOUNTS AND HARD INQUIRIES FROM THE FOLLOWING CREDIT REPORT DUE TO FRAUDULENT ACTIVITY. I DID NOT OPEN OR AUTHORIZED ANY CREDIT TO BE PULL OR USED.

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 2025-08-11 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 disputed an inaccuracy with Experian on XX/XX/XXXX via CFPB portal. The inaccuracy is on the XXXX account, account number XXXX. They are reporting an on time payment for XX/XX/XXXX following a XXXX  day late for the next month XX/XX/XXXX. I received a notification on XX/XX/XXXX from Experian that they conducted an investigation and verified that the information was valid. 
According to the FCRA, if the investigation confirms the inaccuracy or the furnisher fails to verify the information, the information must be removed. Experians investigation did not correct the inaccuracy and it remains on my credit report.

Remove the account as it is still inaccurate after your investigation. Ive attached a copy of Experians report showing the verified information along with my proof of identity. Experian, please only contact me via mail only.

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 2025-08-11 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: NY

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1800.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$5200.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: LA

Complaint narrative:
I have been drafted to early every month from XXXX and on the XXXXXXXX XXXX of XXXX @ XXXXXXXX XXXX XXXX  tried to charge my chime checking account and i caught so i called XXXX and asked to stop charging my account especially my normal due date is the XXXX th of the month, to avail, then i called chime and asked to stop all payments to XXXX and the young man said that XXXX is blocked and i would have to request to unblock it if i wanted XXXX to resume my services. The rep. said i had no worries. Then, on the XXXX of XXXX @ XXXXXXXX XXXX XXXX drafted my account witch is still to early for {$77.00}. i called chime and asked them what happened? How did you guys drop the ball an the guy could not say anything and i disconnected the call. Next, time i called i was finally able to request a refund. The next day the chime special dept. closed my refund request, because there was NO error and the payment was correct. NO, matter how many phone calls i mades the rep. and or the supervisor would just tell me what they thought i needed to hear to end the call. i was basically lied to by one lady who i spent an hour and half to avail as she said, the problem she could see why my claim was closed and she was re opening my claim. In fact she did NOT!! next, day when i checked on the open claim that no one done anything to account, straight out lied!!! i figured she didn't because she hung up on me as if this was my fault. i tried to circumvent this whole mess by stopping before the funds were taken!! EVERY person lied to me, from start till now. chime has no respect for there patrons. if, any more info is needed please email or call. Than you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I wrote a request to Experian to provide information regarding the inaccuracy of an item listed on my credit report, by FCRA, specifically Section 611 ( a ) ( 6 ) ( B ) ( iii ). Under this provision, I am entitled to receive the results of any reinvestigation conducted by the credit reporting agency, as well as a description of the procedure used to determine the accuracy and completeness of the disputed information. I respectfully request that Experian provide this documentation so I can better understand how the determination regarding this item was made. However, Experian has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
XXXX'I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act (FCRA), I5 U.S.C.  1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information (15 U.S.C.le(b)) and conduct a reasonable investigation of disputes raised by consumers (15 U.S.C.  1681). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed:  XXXX XXXX EQUIFAXXXXX XXXX EQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EQUIFAX, XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXXDespite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C.  1681e(b) and  168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
The promissory note in question has been improperly utilized as evidence of debt. According to established legal principles : 1. An instrument containing an order to pay is classified as a draft, not a promissory note, under UCC 3-104 ( e ). The presence of an order to pay in the language of the instrument alters its classification, necessitating its recognition as a draft.

2. The improper use of a draft as evidence of debt is contrary to the fundamental principles of contract law. The misuse of such a draft as evidence of debt violates the petitioners legal rights, as it fails to meet the standards set forth in Restatement of Contracts 2 and 3.

3. Proper classification of financial instruments is critical in foreclosure actions. The use of a draft, which is improperly classified, can not serve as valid evidence of debt. This misuse undermines the integrity of the foreclosure process and the petitioners rights.

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 2025-08-11 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved.

This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
My card was stolen while I was away from home for two months. The card was physically stolen and used. The fraudulent charges totaled to over {$22000.00}. I reported the fraudulent transactions when I discovered them after I came home. The fraudulent charges were removed from my account about a week later. I was issued a new card but I immediately locked it in a safe and never used it. I was asked about something being delivered to my billing address however I live in a house that is rented out to multiple people It is possible one of the other people living there stole the card? Anyway, almost 2 months after this an additional {$16000.00} was charged to my credit card. I have no knowledge of where these charges came from as my card was not used during that time and I have not received an explanation for them. I have attempted to reach out to customer service multiple times via telephone but have still not received an answer of where these new charges originate. I did not make these charges and will not be paying them.

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 2025-08-11 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: TN

Complaint narrative:
My auto loan was pooled together with other debt and sold. Creditor is still attempting to repo vehicle without proper ownership. I requested full chain of title which is by law my right.

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 2025-08-11 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: TN

Complaint narrative:
My auto loan was pooled together with other debt and sold. Creditor is still attempting to repo vehicle without proper ownership. I requested full chain of title which is by law my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion credit reporting removed a credit line in which I am a autherized user. It is a synchrony bank XXXXXXXX XXXX XXXX  card. There is no reason this should of been removed. I spoke to XXXX XXXX amd the primary also spoke to synchrony bank and they advised us they are reporting it. Transunion said this account was disputed and I made them aware the information was accurate. They assured me the dispute remark would be removed which is was however they then removed the entire XXXX XXXX which needs to be put back on my credit report as synchrony is continuing to report it

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: SC

Complaint narrative:
I disputed inaccurate information that Sallie Mae is furnishing to the credit bureaus, specifically XXXX. Sallie Mae has been reporting that my account is past due, which is false. 

I provided XXXX  with the following evidence : A Sallie Mae letter dated XX/XX/year>, confirming my loans are current. 

Payment records, including proof of my XXXX, XXXX, and XXXX payment of {$170.00}. 

A written confirmation from a Sallie Mae representative ( attached ) stating that I successfully made my XXXX, XXXX, and XXXX payments, and that my account was re-aged, bringing it completely current and resolving any past-due payments. 


Despite this, Sallie Mae has continued to report late payments to XXXX. XXXX  refused to correct the record because Sallie Mae verified the inaccurate information. 

This violates the Fair Credit Reporting Act ( FCRA ), as Sallie Mae is required to report accurate and complete information. I am requesting that Sallie Mae immediately correct my credit report with all credit bureaus to reflect the true payment history and remove the inaccurate late payment notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
The continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited.

Company response to consumer: Closed with non-monetary relief