vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover is showing a closed account in bad standing. This was an account with a balance of - {$0.00} I was and am still in good standing. They closed my account due to inactivity. I need this to reflect on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone : XXXXXXXX XXXX XXXX  Date : XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission Consumer Response CenteXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding XXXX XXXX NetSpend Card ( Ending in XXXX ) and Potential Fraudulent Use of My Personal Information To Whom It May Concern, I am writing to formally file a complaint regarding XXXX XXXX NetSpend and the mishandling of my personal information.

Recently, I applied for a XXXX XXXX NetSpend card ( ending in XXXX ). When I attempted to activate the card and provided my information for verification, I was informed that someone had fraudulently used my information to obtain an account with them. Despite this alarming discovery, I was told that because they could not verify my identity, they would not be opening my account and, furthermore, would not be conducting any investigation into the fraudulent use of my personal information. 

I find this response unacceptable. Not only has my sensitive information been compromised, but XXXX XXXX NetSpend has failed to take appropriate steps to investigate or protect me as a consumer. The supervisor and representative I spoke with were also very unprofessional and dismissive during the process, which compounded my concerns.

Given the seriousness of this matter, I am requesting that the CFPB and FTC XXXX XXXX XXXX NetSpends handling of this situation, their refusal to conduct an investigation despite evidence of potential fraud, and the unprofessional conduct of their staff.

I believe my rights as a consumer have been disregarded, and I am concerned about the security of my personal information. I request your assistance in ensuring that XXXX XXXX NetSpend is held accountable for their actions and that measures are taken to prevent this from happening to other consumers in the future. 

Please let me know if you require any additional information, documentation, or records of my interactions with XXXX XXXX NetSpend to proceed with this complaint.

Thank you for your time and assistance. 

Sincerely, 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
Consumer complaint received 2025-08-27 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 2025-08-27 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: 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 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 2025-08-27 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-08-27 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: CA

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 explanation
Consumer complaint received 2025-08-27 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: MS

Complaint narrative:
Subject : Formal Complaint Against Equifax for Inaccurate Credit Reporting and Failure to Correct To Whom It May Concern, I am writing to formally file a complaint against Equifax regarding their continued inaccurate reporting of a closed and fully paid account with XXXX XXXX XXXX. Despite my previous dispute submitted over 60 days ago, Equifax has failed to correct the erroneous status of this account, which is still being reported as NEEDS ATTENTION. 

This account was closed and paid in full, and there is no legitimate reason for it to carry a negative or ambiguous status., yet no corrective action has been taken. This inaccurate reporting is negatively impacting my credit profile and may affect my financial opportunities.

I am requesting the CFPB to investigate Equifaxs failure to comply with the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of consumer information and to correct or delete any information found to be inaccurate or unverifiable within 30 days of a dispute. 

Details of the Disputed Account : Creditor : XXXX XXXXXXXX XXXX Account Status : Closed and Paid Disputed Item : NEEDS ATTENTION notation I respectfully request that the CFPB compel Equifax to : Remove the inaccurate NEEDS ATTENTION notation from my credit report. 

Provide written confirmation of the correction. 

Review their dispute resolution process to ensure compliance with FCRA standards. 

Thank you for your attention to this matter. I am available to provide any additional documentation or clarification needed to support this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute Regarding Inaccurate Information on My Credit Report \nDear Experian, \nI am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. \nRecently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include: \n Conducting inadequate investigations that fail to address consumer disputes properly.  Reinserting previously disputed and inaccurate information without explanation.  Failing to notify consumers about investigation results effectively. \nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. \nPlease review the inaccurate information being reported: \n1. Under the FCRA, you are required to: \n Conduct a proper investigation into my dispute. \n Inform me of the results of your investigation in a clear and comprehensible manner.  Provide me with any documentation you rely on if the disputed information is verified as accurate.  Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. \n If the investigation concludes that the information cannot be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. \nFurthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. \nThank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe.'

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 2025-08-27 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: CA

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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I am disputing an {$11000.00} debt that XXXX XXXX XXXX  is attempting to collect from me after reversing provisional credit on unauthorized transactions. 

I never authorized these transactions. The bank claims they are authorized because packages were delivered to my home address. Delivery to my residence does not prove that I placed or approved the orders, nor that I benefited from them. I did not order, sign for, or consent to these purchases. 

Under XXXX  XXXX of the Electronic Fund Transfer Act, the burden is on the bank to prove that I authorized the transactions. I have requested documentation of their investigation, but they have not provided adequate proof of authorization only the delivery address. 

I receive XXXX income, which is federally protected. This large, disputed balance is causing financial hardship and threatens my protected funds. 

I request that the CFPB require XXXX XXXX XXXX to provide proper documentation of their investigation and reverse this unauthorized debt, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
Sold my vehicle to XXXX XXXX on XX/XX/XXXX. They sent the payment to pay off the vehicle loan. They failed to inform me that an overpayment of $ XXXX will require a letter to td auto finance stating the overpayment. The bank will not refund me the overpayment and XXXX XXXX will not contact my bank to release the funds. I'm assuming td auto finance has already released the title so their is no incentive for XXXX XXXX to take initiative. TD Auto Finance doesn't care because they get to hold onto the overpayment interest free.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-27 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: IL

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 2025-08-27 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:
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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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:
Recently, I obtained a copy of my credit report and identified several inaccuracies related to the following account. This account is negatively impacting my ability to obtain credit. 


Account Name : XXXX Account Number : XXXX Account Balance : {$670.00} Open Date : XX/XX/XXXX Account Name : XXXX  XXXX BANK Account Number : XXXX Account Balance : {$370.00} Open date : XX/XX/XXXX XXXX. Disputed Account Information Account Name : XXXX BANK XXXX Account Number : XXXX Account Balance : {$870.00} Open date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Balance : {$330.00} Open date : XX/XX/XXXX Account Name : XXXX  BANK XXXX Account Number : XXXX Account Balance : {$670.00} Open date : XX/XX/XXXX Account Name : XXXX BANK Account Number : XXXX Account Balance : {$37000.00} Open date : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Account Balance : {$1200.00} Open Date : XX/XX/XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Balance : {$330.00} Open Date : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Balance : {$490.00} Open Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: SC

Complaint narrative:
I woke up on the seventh of this month and my Cash app has been hacked and I have been trying to get it back ever since I have verified my identity. I have verified my debit card. I have verified everything that they need and they still will not give me access to my account or saying they cant do anything about it But theyre saying the funds are still in the account but wont give it to me or put it on my debit card I am now homeless due to this issue because I can not get my funds back from Cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I am writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed. 
As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

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