vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: VA

Complaint narrative:
To Whom It May Concern My consumer report contains inaccurate addresses and unauthorized inquiries that violate the FCRA. These items do not belong to me, and the credit bureau failed to correct them after my disputes. I am requesting CFPB intervention to remove all inaccurate information immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This address is not mine and has no connection to me. Reporting an unrelated address violates FCRA XXXX ( b ) because you must ensure accuracy, and you failed to provide verification under FCRA XXXX ( a ) ( XXXX ) ( A ). Since this address can not be validated it must be deleted immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX I have never lived at this address and have no association with it. Keeping inaccurate personal information violates FCRA XXXX and XXXX ( b ). Your failure to produce documents under FCRA XXXX ( a ) confirms that this address is unverified and must be removed from my file. 

XXXX XX/XX/year> I never authorized this inquiry and no permissible purpose exists under FCRA XXXX. No written consent or supporting documents have been provided under FCRA XXXX ( a ). Because this inquiry remains unverified it must be deleted. 

XXXX XX/XX/year> I did not permit this company to access my consumer report. Reporting an unauthorized inquiry violates FCRA XXXX and XXXX ( b ). Since no verification was produced as required by FCRA XXXX ( a ), this inquiry must be removed. 

XXXX XXXX XX/XX/year> I have no application or relationship with this entity. This inquiry is unauthorized and violates FCRA XXXX because no permissible purpose exists. No documentation has been provided under FCRA XXXX ( a ). This inquiry is unverified and must be deleted. 

These items are not mine and were never authorized. Their reporting is harming my credit and violates federal law. I request full removal and a compliance review of the bureaus verification procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: DC

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received XXXX letters on XX/XX/XXXX, stating that my checking and savings account would be closed. Prior to that, both accounts were frozen. About a week later, my savings account was closed and I received a check for that account shortly after. However, its XX/XX/XXXX and my checking account hasnt been closed yet and Ive been repeated calling to inquire about it. Several agents have said that the case is being denied. Its still frozen, so I can not access that money and still no word on when it would be sent out. Either close or unfreeze the account, its been MORE than a month.

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 2025-11-18 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:
I am filing this complaint because multiple items being reported by the credit reporting agencies are inaccurate, unverifiable, unauthorized, or fraudulent. These items violate the Fair Credit Reporting Act ( FCRA ) and are causing severe harm to my credit profile, denial of credit opportunities, emotional distress, and financial damage. I am requesting CFPB intervention to force proper reinvestigation and removal/correction of all disputed items listed below. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address I have never used, lived at, or been associated with this address. This is identity mixing and must be deleted. 
XXXX Account # XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$27000.00} * * I am disputing the late payment status. I never made late payments on this account and the reporting is inaccurate and harmful. Under FCRA XXXX, correct the payment history immediately because you can not continue reporting false delinquencies. 
XXXX Account # XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$8300.00} * * I do not recognize this account and never authorized it. Provide complete verification including signed contract, proof of ownership, and full itemization. If you can not provide this information, you must delete the account as required by FCRA XXXX. 
XXXX XXXX XX/XX/XXXX Unauthorized inquiry. I did not apply or consent. Must be deleted. 
XXXX XXXX XX/XX/XXXX Duplicate and unauthorized pull. Remove immediately. 
XXXX XXXX XX/XX/XXXX This is fraudulent and unauthorized. Delete. 
XXXX XXXX XXXX XX/XX/XXXX I did not give consent. Remove immediately. 
XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Must be deleted. 
XXXX XXXX XX/XX/XXXX No permissible purpose. Remove. 
XXXX XXXX XX/XX/XXXX Unauthorized and invalid. Delete. 
XXXX XXXX XX/XX/XXXX Duplicate unauthorized pull. Remove immediately. 
XXXX XXXX XX/XX/XXXX I never applied with this company. This must be removed. 
REQUEST TO CFPB I am asking the CFPB to force the credit bureaus and furnishers to comply with FCRA laws, conduct a proper reinvestigation, provide full verification of each account and inquiry, and delete all items that are inaccurate, unverifiable, unauthorized, or fraudulent. I also request confirmation of corrective actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filling a complaint against cash app. Cash App closed my account for no reason, and I was never given any clear explanation as to why. One day everything was working normally, and the next, my account was suddenly restricted and shut down without any warning or justification. I reached out for support, expecting at least some type of clarification, but I still havent received a proper answer. Its extremely frustrating and unprofessional for them to take this kind of action without telling me what happened or giving me a chance to resolve anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
XXXX XXXX Acct # XXXX and # XXXX is furnishing inaccurate charge-off information across multiple credit bureaus. The account does not reflect accurate payment history, DOFD, or charge-off coding. I have disputed this account several times and received verified responses, but no evidence was provided.

Violations : FCRA 607 ( b ) inaccuracy in reporting FCRA 611 ( a ) improper reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) continued furnishing of known inaccurate information FCRA 623 ( a ) ( 2 ) failure to update and correct errors TILA 15 USC 1641 assignee liability Errors : DOFD incorrect Charge-off field not reporting Status XXXX Payment Rating L missing Date of status inconsistent across bureaus Account aging does not match reporting dates

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 explanation
Consumer complaint received 2025-11-19 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
I was XXXX  ( XX/XX/year> ) at the time of lease purchase which was XX/XX/year>. I was given a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Can you forward me the signed contract please?

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 2025-11-18 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: GA

Complaint narrative:
I was XXXX  ( XX/XX/year> ) at the time of lease purchase which was XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Can you forward me the signed contract please?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I was XXXX ( XX/XX/year> ) at the time of lease purchase which was XX/XX/year>. I was given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Can you forward me the signed contract please?

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are unacceptable.

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 2025-11-18 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: NY

Complaint narrative:
I disagree with the account listed below, which remains on my credit report despite your investigation. I want this item immediately re-investigated. The inaccuracies are highly injurious to my XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ). In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, section 611, subsection A-D, please provide the names and businesses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2025-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Ive contacted Freedom Mortgage on several occasions regarding updating the tax information and dollar amount which has been incorrect for several months. They state theyre going to update the system and provide a new escrow analysis but fail to update the system and have been over charging me almost {$1000.00}. Long story short, theyre pulling {$8100.00} in a 12 month period when in reality they should only be pulling {$7200.00} in the 12 month period. Customer service representatives just hang up the phone, cant get a hold of a supervisor. Very incompetent mortgage company if you ask me and its been nothing but grief the entire process. Its been an ongoing issue for almost a year now. Nothing has been resolved and it seems they make XXXX attempt to try and resolve the issue I am having. Clearly, their agents are incompetent and dont know basic math.

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 2025-11-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I must emphasize that unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored these inquiries persist. This inaction is completely unacceptable. The ongoing presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This unresolved matter continues to cause significant emotional and financial harm.

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 2025-11-18 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/year>, I initiated a dispute for case XXXX  regarding an item I purchased but never received as described. I complied with all steps required by PayPal during the dispute process, including providing transaction evidence and communication records with the seller.

Despite providing sufficient documentation proving that the product was not as described and attempting to resolve the matter directly with the seller, PayPal denied the refund without clearly explaining the rationale. The disputed amount was {$39.00}.

I contacted customer support and followed all required procedures but have not received a satisfactory response or reimbursement. I believe I am entitled to a full refund under PayPal 's Buyer Protection policies. If this is not resolved promptly, I intend to close my PayPal account and file formal complaints with consumer protection agencies due to improper handling of the dispute. 

I am requesting immediate review of this case and issuance of my refund.

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 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
This company Eastern Account Systems I have never had business with this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
They had the incorrect phone number on the account and did not reach out via email until months later. I had no notice that repayment had been started. They then sent those accounts into a bad debt status. I have since paid theses to current but they still reflect on my credit score as not paid.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-18 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: 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 explanation
Consumer complaint received 2025-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX Different companies made hard inquiries for credit cards that were not authorized by me. Received text from XXXX company requesting information regarding credit is how I discovered that there were XXXX other companies making hard inquiries on my credit report. Listed on credit report : CAPITALONE XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> Recently my personal bank account had been compromised. 
Along with that my cellphone service account had been compromised and transactions had been made on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I.C. System Inc is not properly licensed to collect debts in my state No valid state debt collection license verified through XXXX database Engaging in interstate debt collection without required state licensing STATE LICENSING VIOLATIONS : Violating state debt collection licensing statutes FDCPA 1692e ( 5 ) : Threatening legal action without proper licensing FDCPA 1692f : Unfair and unconscionable collection practices Operating as unlicensed debt collector in my state LEGAL CONSEQUENCES OF UNLICENSED COLLECTION : ALL COLLECTION RIGHTS VOID due to unlicensed status IMMEDIATE DELETION REQUIRED from all credit bureaus CEASE ALL COLLECTION ACTIVITIES permanently XXXX XXXX XXXX for unlicensed operations ADD TO YOUR VALIDATION DEMANDS : Proof of state debt collection license for my state NMLS certification number and expiration date Documentation of license authority to collect in my jurisdiction AUTOMATIC LEGAL REMEDY : If XXXX. System can not provide proof of proper state licensing : IMMEDIATE DELETION of both accounts required {$1000.00} STATUTORY DAMAGES per account for FDCPA violations XXXX XXXX COMPLAINT for unlicensed collection activities CFPB COMPLAINT for pattern of unlicensed operations UNLICENSED XXXX CAN NOT LEGALLY COLLECT DEBTS OR REPORT TO CREDIT BUREAUS

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