vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: OH

Complaint narrative:
Cash App is showing an account under my name that I did not create, and it shows a balance of {$800.00}. I contacted Cash App support, and they told me that I would have to pay the {$800.00} balance or that my upcoming paycheck deposit would automatically correct it. This is unacceptable because that account is not mine, and I did not authorize any charges or transactions that created this balance. My direct deposit is set to go to my verified Cash App account, and I am concerned that my paycheck will be taken to cover an error or an account that does not belong to me. I have screenshots and messages from Cash App showing their response and the {$800.00} account issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: OH

Complaint narrative:
Im submitting this complaint regarding several credit inquiries that appeared on my credit report dated XX/XX/2024. I had previously reached out to the credit bureau about this issue, but the inquiries are still being reported as hard pulls. 

After reviewing my credit report again, I noticed that these inquiries remain even though I never opened any accounts with the companies listed. In some cases, the inquiries may have been related to rate checks, preapprovals, or other non-credit purposes, which I understand should not be classified as hard inquiries. 

The inquiries in question are : XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I recognize that credit inquiries are part of normal financial processes, but I want to ensure my report accurately reflects only those that were legitimately authorized by me. Some of these appear to have been misclassified or may not have been initiated by me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: MI

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this formal complaint against Truist Financial Corporation because the bank is refusing to honor my request to cancel the automatic renewal of my Certificate of Deposit ( CD ) with a maturity date of XX/XX/year>. 

I am a non-resident alien with a long-standing relationship with Truist Bank XXXX XXXX XXXX XXXX. The bank is forcing an unwanted renewal of my CD ( with a poor interest rate ) due to an unfeasible requirement. 

* Key Facts : - I started my claim about a year ago, and as you will see in the emails, formally since XX/XX/year>. 

- Cancellation Request : I have notified my account officer, XXXX XXXX XXXX, of my intention not to renew the CD and to transfer the funds to my Truist checking account ( Truist Dimension Checking ) via email since XX/XX/year>. 

- Bank 's Refusal : The bank, through XXXX XXXX, categorically refuses to process the cancellation, claiming that physical presence is " essential '' to sign the documentation, even on the expiration date. 

- Unfeasible Risk : As a non-resident client, traveling to the United States for this procedure is impossible, which entails very serious immigration and logistical risks that the bank is not considering. 

- Refusal to Apply Standard Protocols : The bank refuses to implement standardized international solutions for non-resident clients, such as : XXXX ) Accepting a signature on the cancellation form notarized by a U.S. Consul abroad. 
XXXX ) Accepting a document signed under the XXXX XXXX XXXX ( which guarantees the international validity of the signature ). 

Prejudice : The lack of a remote signature protocol exposes me to the detriment of a forced automatic renewal of an unwanted product. 

* Request for Resolution : I demand that Truist Bank : Immediately halt the automatic renewal of my Certificate of Deposit ( CD ) expiring on XX/XX/year>. 

- Contact me through an executive from the Compliance Department or International Banking, who has the authority to send me the cancellation documents to be signed before a U.S. Consul or notary public with an XXXX XXXXf XXXX XXXX. 

- Once the document is verified, process the full transfer of funds to my XXXX checking account. 

Attached to this complaint are the emails exchanged that demonstrate my request and the bank 's inflexible refusal. 

Regards, 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 2025-11-06 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: DE

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) 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 ( 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) 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 ( 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 non-monetary relief
Consumer complaint received 2025-11-06 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: MS

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for the Citi XXXX XXXX credit card on XX/XX/year>, which carries an annual fee of {$590.00}. Since submitting my application, Citibank has repeatedly placed a hold on my account and requested that I submit a 4506C form for verification. Although I have provided the requested documentation, my credit card remains blocked with no clear explanation or timeline for resolution. The lack of communication and delay in processing has caused unnecessary inconvenience. I am requesting that Citibank promptly remove the hold and allow me to use my credit card without further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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: NJ

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NJ

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: MD

Complaint narrative:
At the time I took our my loan with Cross Country Mortgage in XX/XX/2024, the XXXX of Mortgage Lending told me the loan would be eligible for recast if I made substantial additional principle payments ( e.g., $ XXXX ). I have made larger principle payments ( $ XXXX ). My outreach ( e.g., email, phone ) to the very same lender representative ( XXXX XXXX ) to initiate process have gone unanswered for more than a month. 

XXXX also made other written misrepresentations in lending process, stating my loan would not be sold to XXXX XXXX, but did it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: MO

Complaint narrative:
TransUnion refuses to delete * * XXXX XXXX * * despite : XXXX. * * XXXX  deleted * * ( attached ) XXXX. * * XXXX  never reported * * XXXX. * * Unverifiable * * FCRA XXXX ( a ) ( XXXX ) Delete * * immediately * * + * * {$1000.00} damages * * for willful violation. 

Attachments : - XXXX  deletion ( XXXX score ) - XXXX  clean report ( XXXX score ) -TransUnion score reporting fraudulent collection. ( XXXX score )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> To : [ Name of Creditor or Collection Agency ] XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation Dispute of Incorrect Charge-Off Reporting To Whom It May Concern, I am writing to formally dispute and request validation of the alleged debt that has been reported to the credit bureaus under my name. Upon reviewing my credit report, I noticed that your company has listed a charge-off account that I believe to be inaccurate and improperly reported. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full validation and verification of this alleged debt, including but not limited to : XXXX. The name and address of the original creditor ; XXXX. A copy of the signed agreement or contract bearing my signature, establishing that I am legally obligated for this debt ; XXXX. A complete payment history, showing the amount you claim is owed and how it was calculated ; XXXX. Documentation showing that your company has the legal right and proper chain of assignment to collect this alleged debt ; XXXX. The date of last payment or activity to verify compliance with applicable statute of limitations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c. Please note that under 15 U.S.C. 1692g ( b ), you must cease all collection activities, including credit reporting, until you have provided the requested validation. Reporting or continuing to report an invalid or unverified debt to any credit bureau may constitute a violation of the FDCPA and the FCRA, specifically 15 U.S.C. 1692e ( 8 ) ( prohibiting communication of false credit information ) and 15 U.S.C. 1681s-2 ( a ) ( duty of furnishers to report accurate information ). If you fail to provide proper validation or continue to report inaccurate information, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Office, as well as consider pursuing civil action for statutory damages as allowed under 15 U.S.C. 1692k. I request that you respond within XXXX  days of receipt of this letter. Failure to do so will be considered noncompliance and a willful violation of federal law. Sincerely, 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 2025-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phil Watson, P.C.
State: IA

Complaint narrative:
My ex-wife has outstanding medical bills and they want to garnish my wages. And the divorce has been final and signed off by the judge where saying I am not responsible for any outstanding bills including medical of hers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
EVEN AFTER BEING NOTIFIED, THEY ARE CONTINUING TO REPORT THESE FRAUDULENTS ACCOUNTS ON 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 non-monetary relief
Consumer complaint received 2025-11-06 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: TN

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. 
After reviewing my report, I identified the following inquiries that I do not recognize or authorize : XXXX. XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX These inquiries were not authorized by me, and I am requesting that you investigate and remove them from my credit report if they can not be verified as valid. 
Personal Information for Reference : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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