vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to have my credit report pulled by multiple different companies several times to acquire multiple things like : A home, Personal Loan, Auto Loan, exc. And the continue to report that my credit report can not be pulled due to a credit freeze or lock on my report. I have called each bureau and went online trying to resolve this issue. I have sent my information to update my profile via mail, yet there is still no resolve to this issue. Each customer representative has told me that they dont see a credit freeze on any of my consumer profiles. I need this resolved immediately.

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 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to have my credit report pulled by multiple different companies several times to acquire multiple things like : A home, Personal Loan, Auto Loan, exc. And the continue to report that my credit report can not be pulled due to a credit freeze or lock on my report. I have called each bureau and went online trying to resolve this issue. I have sent my information to update my profile via mail, yet there is still no resolve to this issue. Each customer representative has told me that they dont see a credit freeze on any of my consumer profiles. I need this resolved immediately.

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 2025-07-05 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: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Information in Credit Report Re : XXXX XXXX  Account ending in XXXX / XXXX I am writing to formally dispute the information listed on my credit report regarding an account from XXXX XXXX. 

The item appears on my report as a charged-off account with a balance of {$1800.00}, account opened on XX/XX/XXXX, and last updated XX/XX/XXXX. I am disputing this account on the basis that the information is either inaccurate or unverifiable, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ).

I am requesting the following : A full reinvestigation of the accounts accuracy. 
A request for verification of the debt from XXXX XXXX. 
If verification can not be obtained, I request that the information be corrected or removed from my credit report immediately. 

Enclosed are copies of my credit report with the item highlighted for your reference. 

Please respond to this dispute within the XXXX timeframe as required by law. If you require additional documentation or information from me, please contact me at the details listed above. 

Thank you for your attention to this matter.

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 2025-07-05 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:
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 TILA US Code 1666B 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 ( FCBA ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: IL

Complaint narrative:
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 XXXX  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 non-monetary relief
Consumer complaint received 2025-07-05 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 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 XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Notice of Dispute Account # XXXX ( Bank of America ) To Whom It May Concern : This letter serves as my formal notice, pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2, to dispute the reporting of the Bank of America account referenced above on my XXXX  credit report ( Report Number : XXXX ). 

After reviewing my credit file, I, XXXX XXXX, assert the information being reported is inaccurate, incomplete, and unverifiable, and as such, it violates the following FCRA provisions : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires the consumer reporting agency to conduct a reasonable reinvestigation of any item of information disputed by a consumer.

15 U.S.C. 1681e ( b ) : Mandates that credit bureaus follow reasonable procedures to assure maximum possible accuracy of the information they report.

15 U.S.C. 1681s-2 ( b ) : Obligates furnishers of information to conduct a reasonable investigation after receiving notice of a dispute from a consumer reporting agency.

This account was previously marked Account information disputed by consumer meets requirements of FCRA. However, continued reporting without verifiable, documented validation of this alleged debt from the original creditor constitutes willful and negligent noncompliance with the FCRA.

As of this letter, I hereby demand that XXXX  : Immediately conduct a full reinvestigation into the accuracy of this account. 

Furnish me, XXXX XXXX, with a detailed description of the procedures used to determine the accuracy and completeness of the information. ( Per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Remove this account from my credit report if the furnisher can not provide legally acceptable verification within 30 days.

Provide me with the results of your reinvestigation in writing within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Failure to comply may result in legal action being initiated against your agency for willful noncompliance under 15 U.S.C. 1681n and/or negligent noncompliance under 15 U.S.C. 1681o.

This is a formal record of dispute. Please mark this account as In Dispute until the reinvestigation is completed and furnish me with updated documentation.

Sincerely, XXXX XXXX XXXX : XXXX XXXX : 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 2025-07-05 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: FL

Complaint narrative:
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 2025-07-05 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: U.S. BANCORP
State: FL

Complaint narrative:
Credit inquiry not made by me on my XX/XX/XXXX XXXX XX/XX/XXXX US Bank XX/XX/XXXX : XXXX XXXX Card

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
I submitted formal disputes regarding inaccurate information on my report related to XXXX account ( Account # XXXX ). Despite my efforts, the bureaus continue to report incorrect charge-off information, inaccurate balance history, and unverifiable payment records. The reporting violates the Fair Credit Reporting Act ( FCRA ). I request the removal or immediate correction of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest credit syste XXXX ( T-mobile ) was reported to my credit report as a collection.This account it's not mines. Unknown account.Collection impacted my chances of new credit, id ask for this collection to be removed immediately. This account is in violation of fair credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Between XXXX and XXXX, my XXXX XXXX XXXX and {$10000.00} settlement check were missing a large amount from my account. I told them my account was missing a substantial amount of my deposits. They told me that I had withdrawn on certain days, but I was not there to perform those transactions. I hold them accountable for the XXXX XXXX XXXX  missing from my accounts, checking, and savings during these times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: MD

Complaint narrative:
I had an installment payment for 2 orders. Both were due on XX/XX/XXXX, I rescheduled both orders for XX/XX/XXXX. I received an email confirmation for both orders. A day or two prior to my installments being due for XX/XX/XXXX, I received a notification stating that my installments are due XX/XX/XXXX. Shortly after, I immediately reached out to customer service via chat. The conversation ended with him reassuring me that both installments were due on the new due date XX/XX/XXXX. About On XXXX, I had received a notification from my bank stating that two attempted charges were declined due to not having enough funds ( I have it set up where the payments are automatically taken out of my bank account, which takes a few days to hit my account after the due date ). I saw that it was from Sezzle. I logged into my Sezzle account and saw that I was charged {$6.00} fee for both orders, due to rejected payments, I also saw that I would charged {$16.00} fee per installment, if I didn't pay it by XXXX on XX/XX/XXXX. I reached out to customer service again via chat, and this time no one has responded or gotten back to me. I tried to call the Sezzle customer service line, but no one has picked up. This situation is extremely frustrating, also being that I just lost my job, it just adds more stress to everything else. I have attached screenshots below as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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 at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and i am writing this report once again asking for help and a reinvestigation of accounts that are unauthorized and negatively impacting my credit profile. I need these accounts re investigated and REMOVED from my credit profile. These credit agencies and companies reporting this refuse to help and these are false. I have listed them below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number XXXX Date Opened : XXXX Balance : {$570.00} XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX  Account XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}

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 2025-07-05 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 at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and i am writing this report once again asking for help and a reinvestigation of accounts that are unauthorized and negatively impacting my credit profile. I need these accounts re investigated and REMOVED from my credit profile. These credit agencies and companies reporting this refuse to help and these are false. I have listed them below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number XXXX Date Opened : XXXX Balance : {$570.00} XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX  Account XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Zell sent a payment to the vendor. The vendor denies receiving the payment. Zell needs to credit us the payment per the vendor. The vendor was paid by us using another payment method.

Zell is responsible as they lost the money per the vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Hey I was incarcerated for about XXXX   years back in XXXX and someone was using my credit info idk how but Im tryin to get identity thief because I never once used or ran my credit to get a car or a phone or a apartment or house please help me erase all bad credit please XXXX transuion eqaufax and experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hey I was incarcerated for about XXXX   years back in XXXX and someone was using my credit info idk how but Im tryin to get identity thief because I never once used or ran my credit to get a car or a phone or a apartment or house please help me erase all bad credit please XXXX transuion eqaufax and experian

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 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I had several family friends send me and my partner money for our wedding anniversary this past my through venmo. They are now saying this us suspicious behavior and suspending my account

Company response to consumer: Closed with explanation