vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of inaccurate late open accounts on my credit report. Upon reviewing my 3 Credit Bureaus file, I have identified late open accounts that I believe are either misreported or improperly verified. These entries are negatively impacting my credit score, and I request a thorough investigation and correction of these discrepancies. 
XXXX XXXX  XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} Requested Action : In light of these inaccuracies, I am requesting that TransUnion : Conduct a full reinvestigation into the late payments reported for the above accounts. 
Require XXXX XXXX  XXXX and XXXX XXXX  to provide documented verification of the late payment claims. 
Correct any unverifiable or inaccurate late payment data from my credit report. 
Provide me with written confirmation of the results of this reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under 15 U.S. Code 609 ( 15 U.S.C. 1681g ) I previously requested that the credit reporting agencies and furnishers provide me with verification of these accounts, including a copy of the original contract bearing my signature. That request has not been honored. Additionally, under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. And under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information if, after reinvestigation, any disputed information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. These accounts remain on my credit file without proper verification and continue to cause harm. I am requesting immediate deletion : XXXX XXXX  XXXX loan Balance : {$30000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under 15 U.S. Code 609 ( 15 U.S.C. 1681g ) I previously requested that the credit reporting agencies and furnishers provide me with verification of these accounts, including a copy of the original contract bearing my signature. That request has not been honored. Additionally, under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. And under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information if, after reinvestigation, any disputed information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. These accounts remain on my credit file without proper verification and continue to cause harm. I am requesting immediate deletion : XXXX XXXX  XXXX loan Balance : {$30000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to formally dispute the closure of my prior Navy Federal Credit Union accounts and the subsequent denial of my ability to open new deposit or credit accounts. I have been a victim of identity theft, and for the past XXXX ( XXXX ) years I have worked diligently to clear fraudulent activity from my records. This has included filing FTC Identity Theft Reports, police reports, and retaining an attorney to represent me in these matters. 
Since the identity theft occurred, I have changed both my residential address and phone number, and I request that my updated contact information be reflected in all XXXX XXXX systems : Current Address : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Current Phone Number : XXXX At present, my XXXX  XXXX, and XXXX XXXX XXXX files have all been cleared of negative items, and my consumer reports reflect no derogatory accounts or closures that would lawfully prevent me from opening a new account or credit line with your institution. 
Despite this, Navy Federal continues to deny me access to banking services, which constitutes an unfair and unlawful restriction under several federal consumer protection statutes : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under 1681i and 1681s-2, I have the right to dispute and demand correction of inaccurate or fraudulent information furnished by or relied upon by financial institutions. Since my consumer reporting agencies no longer show negative data, Navy Federal can not lawfully rely on obsolete or inaccurate information to deny me banking services. 
Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681c-1 FACTA specifically protects identity theft victims and provides mechanisms for institutions to honor fraud alerts and corrected records. Continuing to deny me an account due to prior fraud directly violates these protections. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. This requires financial institutions to safeguard consumer information and take reasonable measures to protect victims of identity theft.

Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq. Discriminating against me by denying credit and deposit services for reasons unrelated to my present creditworthiness constitutes unlawful discrimination. 
Consumer Financial Protection Bureau ( CFPB ) Regulations CFPB guidance makes clear that institutions can not indefinitely restrict consumers who have resolved prior fraudulent incidents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Date : XX/XX/XXXX Re : Hard Inquiry Dispute Request for Investigation Dear TransUnion, I am writing to formally dispute the following hard inquiries that appear on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report when there is a permissible purpose authorized by law. I do not recall authorizing these companies to access my credit report, and therefore, I request that you investigate and remove any inquiry that can not be verified with documented proof of my written consent. 

Disputed Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX As required under FCRA 611 ( 15 U.S.C. 1681i ), please investigate these inquiries and provide me with the results within 30 days. If the furnishers of these inquiries can not provide legally acceptable documentation proving I authorized them, you must delete the inquiries from my credit report immediately. 

Please mail me a copy of the updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Two unauthorized hard inquiries were added to my Equifax credit report without my consent. I did not apply for credit with the companies listed below, nor did I authorize them to access my credit file : - XXXX XXXXXX/XX/XXXX - XXXX XX/XX/XXXX I submitted a dispute to Equifax with supporting documents, including my FTC Identity Theft Report, government-issued ID, Social Security card, and proof of address. Equifax responded stating that the FTC report was invalid due to errors, even though the report clearly states that my identity was used to attempt to obtain credit fraudulently. 

I am requesting CFPB assistance to ensure Equifax properly investigates and removes these unauthorized inquiries from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from a seller that described the vehicle for sale as flawless with no issues. Upon bringing the vehicle to the mechanic, the mechanic was in shock that I was able to make it to his shop safely due to how rusted out the entire bottom of the vehicle was. The mechanic deemed the vehicle unable to drive & that my health was at risk if I continued to drive that vehicle. I contacted the seller, who then blocked me after several attempts to contact him. Ive informed cashapp several times since XX/XX/XXXX that I was scammed, Ive called countless times & have spoken to several different customer service agents to no avail. It has now been almost 2 months with XXXX progress on resolving the issue at hand. Cashapp has now denied to reimburse me on XXXX different occasions now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened P XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The credit score reported in the XXXX XXXX customer portal took a mysterious fall of XXXX points in XX/XX/year>2025. 

An investigation is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. I am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request for the prompt correction of the negative data on items to ensure the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. I am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request for the prompt correction of the negative data on items to ensure the accuracy of my credit 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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened a Citizens Bank account last month but never used it because I was unemployed at the time. Recently, I attempted to use the account, but when I checked, I discovered that my account had been closed without proper notice or explanation. After the closure, all my funds were gone, and the only available balance shown was - {$54.00}. I have screenshots of all transactions and transfers that confirm this issue. 


Initially I did an e wire transfer of {$100.00} which was taking long so I put in {$180.00} via XXXX, XX/XX/XXXX. Was able to spend and spent a total of {$76.00} which would put my balance at XXXX. 

So today I woke up with the XXXX balance. 
Update : I went in person to a Citizens Bank location and spoke to a representative. They reactivated my account on the spot and my funds were readily available {$120.00} total dont know where that number came from since according to my recipts and screen shots it should be {$100.00} ( this was the 6th representative I had spoken to at this point ). When I went home, however, my card and account were once again locked. 

I called Citizens support, and a phone representative told me they activated the account for me ( 7th time calling a rep ). I tried using the account, but it was still closed. I called once more ( 8th time ) and finally spoke to a competent representative who assured me she would make sure the account was reactivated. 

After that, the account was active again and my funds went through from XXXX XXXX one ( {$48.00} ) one {$19.00} plus the {$120.00} balance that put me at {$190.00}, then my e transfer of {$100.00} went through so that puts me at {$290.00}, then a robinhood transfer that went through which is posted on my account added {$150.00} which would put me at {$440.00}. Instead my balance is at a {$260.00} and over {$100.00} is just Missing from the account, no transactions but my very first deposit, which was a successful XXXX transfer, ( {$180.00} ) disappeared completely from both my balance and my transaction history. 

I am extremely frustrated with this situation. I feel like every single step I take with Citizens Bank results in yet another error. At this point, I dont even believe its just a mistake I feel like someone within Citizens may be deliberately interfering with me and my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The credit score reported in the Wells Fargo customer portal took a mysterious fall of XXXX points in XX/XX/scrub>/2025.

An investigation is required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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