vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
So on XXXX XXXX, there was {$500.00} taken out of my cash app account. I found a dispute on the XXXX  and I called back on the XXXX  because Ive never heard anything and they said that there was not a dispute filed so the guy on the phone re-filed the dispute and send it in this was on Friday so on Monday They they sent me an email and said that the dispute was denied because from their investigation that I had authorize the payment but they never sent anything that they found in their investigation so I I called the lady on customer service and she said that did she see where they had denied it, but they did not put in the chart where anything was found and she said she thought it was odd so she said that were going to resubmit that dispute and this was Monday so Wednesday, which have been yesterday they sent the dispute back and then they sent a copy of my transactions from where I had made transactions, but thats not evidence saying that I authorize the payment. You cant get a hold of anybody. They say you have to reply to the email, but the email that the fraud department has is a no reply email and I dont have {$500.00} for people just to take out of my account. File a claim with the CFPB AND NOTHING HAS CAME OF IT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
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 2025-09-30 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: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * * * * * * * * * XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: HI

Complaint narrative:
I am writing to dispute inaccurate personal information listed on my credit report. Upon reviewing my report, I noticed incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. 
Some of this information is not associated with me, and these inaccuracies could lead to misidentification, confusion with others. I have already submitted correction requests and provided supporting documents to verify my accurate and current information, yet these errors remain unresolved. 
These inaccuracies are misleading and may negatively affect future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is correct and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US XXXX COURT-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( US XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US XXXX COURT-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( US XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Hello, My name is XXXX XXXX and I am writing regarding my Bank of America account. I am currently locked out of my account and understand that a verification or recovery letter was mailed to my previous U.S. address. 
Unfortunately, I no longer live at that address, and the current tenants are refusing to forward the letter to me. I am also outside the United States, so I am unable to visit a local branch in person to resolve this issue. I only came to the US on a XXXX  visa and worked from XXXX to XXXX. When I initially opened the account I did not have my ssn at the time so the only identification I provided was my passport and visa I am requesting one of the following solutions, if possible : Alternative identity verification ( via phone, email, or secure video call ) Re-sending the verification letter to a new mailing address for someone I trust in the us or the leasing office of where I lived Any other method to regain secure access to my account I am happy to provide any identification documents or security information necessary to verify my identity. 
Please advise me on how to proceed as soon as possible, as I urgently need access to my account. 
Thank you for your help. 
Best regards, XXXX XXXX DOD XXXX XXXX Last 4 digits of my account number : 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 2025-09-30 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: TN

Complaint narrative:
The collection agency hasn't provided adequate documentation to prove the debt is valid.I am writing to formally dispute inaccurate information appearing on my credit report. This letter serves as a formal request for an investigation and correction of this information, which I believe has been reported inaccurately and is in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

As required by 15 U.S. Code 1681e ( b ), a consumer reporting agency must " follow reasonable procedures to assure maximum possible accuracy '' of consumer information. The information below is inaccurate and demonstrates a failure to meet this standard :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX Bank XXXX. XXXX CARD XXXX and Credit Bureaus ( TransUnion, Experian, Equifax ) for FCRA Violations and Inaccurate Reporting To Whom It May Concern, I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, against XXXX XXXX Bank XXXX. ( XXXX XXXX XXXX ) and the credit bureaus Experian, Equifax, and TransUnion. All parties have knowingly reported and maintained false, conflicting, and unverifiable information that continues to harm my credit profile. 

Discrepancies and Violations Identified : 1. Balance Reporting Contradictions : TransUnion shows a high balance of {$4100.00}, Experian reports {$0.00}, and Equifax reports {$4100.00}. 
Account is reported as charged off/collection, yet balances of {$0.00} are listed inconsistently, which is contradictory and inaccurate. 
2. Credit Limit and Status Inconsistencies : TransUnion and Experian report a {$3300.00} limit, while Equifax reports {$0.00}. 
TransUnion shows Collection/Chargeoff, Experian lists Unknown, and Equifax lists Collection/Chargeoff Paid. These statuses can not all be true.

3. Creditor Remarks Conflict : TransUnion : Payment after charge off/collection dispute resolved.

Experian : Account was in dispute resolved by subscriber. Account legally paid in full for less than the balance.

Equifax : Paid charge off Amount in high credit original charge-off amount.

These remarks are contradictory and violate the FCRA requirement for accurate, consistent reporting.

4. Failure to Provide Validation : Despite multiple disputes, no signed contract or original documentation has been provided to prove this account is mine. This violates FCRA 1681b and FDCP
A 809 ( b ).

5. Failure of Reinvestigation : The bureaus continue to update without making corrections, which is a reckless disregard for the duty to properly reinvestigate under FCRA 1681i ( a ). 

Legal Notice and Demand : These inaccuracies damage my creditworthiness and demonstrate gross negligence and bad faith practices by both XXXX XXXX ( XXXX XXXX XXXX ) and the credit bureaus. 
If XXXX XXXX and the bureaus can not legally verify with original signed documentation, this account must be immediately deleted. 
Continued publication of false and conflicting data constitutes willful violations under FCRA 1681n and negligent violations under 1681o, making all parties liable for statutory damages, punitive damages, and attorneys fees. 

Requested Resolution : Immediate and permanent deletion of the XXXX XXXX CARD XXXX account from TransUnion, Experian, and Equifax. 
Written confirmation within 15 days that the deletion has been completed

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 2025-09-30 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
On XX/XX/year>, I used my Bank of America credit card ( account ending in XXXX ) to pay for a course at CONTRACTORS - INTELLIGENCE SCHOOL, with a transaction amount of {$310.00}. My credit card statement shows that this transaction was charged twice, totaling {$630.00}. I contacted the merchant ( XXXX XXXX XXXX XXXX ), and they confirmed receiving only XXXX payment of {$310.00}, providing their account statement as proof of a single payment.

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 2025-09-30 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:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my 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 non-monetary relief
Consumer complaint received 2025-09-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-30 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: UT

Complaint narrative:
Equifax account locked-no login or reset possible after XXXX separate calls totaling over XXXX hours. Escalation XXXX filed and ignored. Legal email also unanswered. They either delete everything under my name or grant me access by XXXX XXXX -no more runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CT

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I received a text from someone called financial credit network attempting to collect a debt from XXXX XXXX XXXX XXXX ( who, by the way, NEVER sends bills ) ( they are the delivery company for XXXX XXXX XXXX and XXXX so their services are on THAT bill ) for almost a XXXX dollars. I had already paid my XXXX  billl, a few days late, but I paid it. So I sent an email to them ( XXXX XXXX XXXX XXXX ) in regards to this text, but that was admittedly only a few minutes before I wrote this email to yall. Still awaiting their response. Im afraid that I actually clicked the link in the text, but I didnt go further than that. I had a feeling something was amiss. Thats why Im contacting you and XXXX  XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation