vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
I am filing for identity theft protections as a survivor of XXXX XXXX XXXX During that time, my personal identifying information was used without my consent, resulting in negative credit items including late payments, derogatory accounts, and hard inquiries reported between XXXX and XXXX. These items do not reflect my true credit history. 

Under federal law, specifically 15 U.S.C. 1681c-2 ( XXXX XXXX XXXX XXXX XXXX XXXX ), I am requesting that all such adverse information be blocked and removed from my credit reports within 4 business days as required. 

I have attached my credit report along with supporting documentation of my XXXX status and identity theft. Please ensure that these items are corrected so I can begin to rebuild my life free from the impact of 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 2025-09-02 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Information was sent to Equifax Credit Bureau so that item could be removed from my credit report. I would like this item removed immediately from my credit. 15 U. S. Code 1666 ( b ). FCRA LAW this law allows you to permanently remove late payments from my credit report that are older than 2 years & that is affecting my credit score. 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 2025-09-02 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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 2025-09-02 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 sent my customer an invoice using Square for {$50000.00}. My customer paid the invoice using an ACH bank transfer. Square then deactivated my account and are holding the funds from me for 90 days. In addition, they will not refund the money to my customer. They are holding my customers money hostage and state they can not issue a refund to my customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
Hello, my name is XXXX XXXX XXXX who resides XXXX XXXX XXXX XXXX Ny XXXX and I have personally typed this message to bring to your attention unauthorized negative accounts on my credit report. I have pulled my full credit report and I see these negatives I am not connected to. These have dropped my score and as a result I am unable to grow and improve my parenting as a dad and take care of my family because of credit denials. These accounts are false and misleading and have been created without my approval or signature. I do not recognize or approve of it. Please remove them all as soon as possible. My credit score has dropped significantly due to this. PLEASE REMOVE AND PLEASE DO NOT PLACE A FRAUD ALERT OR FREEZE ON MY CONSUMER REPORT. I have already created an FTC as well. FTC REPORT NUMBER 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 2025-09-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX XXXX who resides XXXX XXXX XXXX XXXX Ny XXXX and I have personally typed this message to bring to your attention unauthorized negative accounts on my credit report. I have pulled my full credit report and I see these negatives I am not connected to. These have dropped my score and as a result I am unable to grow and improve my parenting as a dad and take care of my family because of credit denials. These accounts are false and misleading and have been created without my approval or signature. I do not recognize or approve of it. Please remove them all as soon as possible. My credit score has dropped significantly due to this. PLEASE REMOVE AND PLEASE DO NOT PLACE A FRAUD ALERT OR FREEZE ON MY CONSUMER REPORT. I have already created an FTC as well. FTC REPORT NUMBER XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: MD

Complaint narrative:
pnc bank refuse to cash a {$5000.00} Cashier 's check. 
pnc said the cashier 's check is old but there is no expiration date on the Cashier 's check

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was contacted on XX/XX/XXXX of 2025 on my XXXX XXXX account by a young lady account by the name of XXXX. They reached out and said, I was about using a picture from your profile for the art piece Im working on. If thats fine by XXXX me I asked them what picture and they sent a video of mines on my XXXX XXXX account saying I was thinking about using this picture from your post for the Art if thats fine by you? I asked them of me? and they responded yes. I said sure after that and then the following day I received a message from them saying The picture would be my inspiring muse for an art, i'm working on for a client and you'll totally get paid for it as a token of appreciation & cooperation just so you know, are you okay with that? I met them now I would like to be paid first before my picture is used. They said, my client will be paying through check .And it will be written in your name and Sent to you since we're in collaboration. I told them I am not sure about that but that I am also an XXXX and I was more interested in the art being created. Then they asked about which banking method I have and if checks can be deposited into the account. I let them know yes and they asked for my name, email and phone number. I gave them that information on XXXX XXXX. Moments later I received a text from an email name XXXX saying, Hello, Im texting you regarding the artwork painting payment and I hope I got the right contact? I let them know yes. They then started requesting that I screenshot my bank account and that this was the way for my check to receive my check. I did and sent it to them, after this I received a mobile check from an email named XXXX but the sender name is listed as XXXX XXXX. I attempt to deposit the check and it allowed me, they said I needed to send this money to the art vendor for supplies and they would send another check to deposit for my payment. I was hesitant but I thought they were genuine so I sent the money, {$700.00} to XXXX through my bank, Chime. After this my account went into lock mode because it would not let me upload another check. I reached out to my bank to dispute the money being sent, which they could not fix and then I disputed the check in which they returned it and made a negative balance of {$690.00} on my account. I have disputed twice and rebuttal the dispute three times. My bank is still denying my dispute leaving my account over drawn and me still being harassed by emails and phone numbers. The people that reached out to me have been harassing me about adding more money and making payments. The original person who reached out to me on XXXX deleted their account, it reads account not found.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing fraudulent accounts on my credit report that were never opened, authorized, or connected to me. These false entries are damaging my credit reputation and causing undue stress.

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 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 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 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 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, Date Opened : XX/XX/XXXX, Balance : {$33000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is a follow-up complaint with new evidence regarding Equifaxs reporting of a XXXX XXXX XXXX XXXX account ( Account XXXX. XXXX, Original Creditor : XXXX XXXX XXXX XXXX, Alleged Balance : {$850.00} ). I previously disputed this tradeline, but Equifax marked it verified without providing documentation or proof of accuracy. 

Since then, I sent XXXX a certified debt validation request. XXXX failed to provide the required documents under the FDCPA and FCRAthey only restated the balance without proof of ownership, billing statements, account-opening disclosures, Date of First Delinquency ( DOFD ), or a complete payment history. The credit report also contains Data Unavailable gaps and a continuous C status that violates Metro 2 accuracy standards. 

This failure violates the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ) requiring maximum possible accuracy and a reasonable reinvestigation, and the Fair Debt Collection Practices Act ( FDCPA 809/15 U.S.C. 1692g ) requiring debt validation before continued collection or reporting. Because the furnisher can not substantiate the account, Equifaxs continued publication of this tradeline is inaccurate and misleading. 

I request that this XXXX tradeline be deleted from Equifax, Experian, and TransUnion, and that it also be deleted from all specialty reporting agencies to prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: PR

Complaint narrative:
I am filing this complaint because my credit file continues to display unauthorized hard inquiries that were made without my knowledge or consent. 
Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ), a permissible purpose is required for any hard inquiry. None of these inquiries were authorized by me, nor were they connected to any legitimate extension of credit. Their continued presence on my report is therefore a direct violation of federal law. 
The following inquiries are unauthorized and must be permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already disputed these items directly with Transunion, providing both my written dispute and a copy of my official FTC Identity Theft Report. Despite my compliance with the legal process, the bureau has failed to block and remove these inquiries as required under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). 
This non-compliance has caused measurable harm to my financial life : My credit score remains artificially low due to inquiries I never authorized. 


I am being denied credit opportunities. 


When I do receive approvals, I face higher interest rates and less favorable terms. 


These violations have placed me at risk of further identity theft and financial damage.

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