vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I did not authorize these inquiries. This is fraudulent activity. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I did not authorize these inquiries. This is fraudulent activity. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
The 3 credit reporting agencies are reporting false, inaccurate accounts on my credit report that has yet to be verified! These accounts are negatively impacting my ability to obtain credit. I am requesting a thorough investigation into these accounts under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: MS

Complaint narrative:
The 3 credit reporting agencies are reporting false, inaccurate accounts on my credit report that has yet to be verified! These accounts are negatively impacting my ability to obtain credit. I am requesting a thorough investigation into these accounts under the FCRA.

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 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
* * Subject : * * Unauthorized Payment on Cash App Request for Refund and Complaint Regarding Lack of Consumer Protections * * To Whom It May Concern : * * My name is XXXX XXXX, and I am submitting a formal complaint regarding an unauthorized transaction made through my Cash App account, * * \ XXXX XXXXXXXX * *, on * * XX/XX/year> * *, at approximately * * XXXX XXXX  * *. 

On that date, I sent * * \ {$50.00} * * to my mother, a transaction I authorized and intended. However, at the exact same time, Cash App simultaneously sent another * * unauthorized * * payment of * * \ {$50.00} * * to * * XXXXXXXX XXXX * *, the last person I had previously sent funds to. I did not approve, authorize, or initiate this second transaction.

I have spent the past two days attempting to resolve this issue by contacting Cash App support. Despite numerous calls and explanations, they have refused to cancel or refund the
unauthorized transaction. I have also attempted to contact XXXX XXXX, who informed me that their Cash App account has been deactivated and they are unable to return the funds.

I am deeply concerned about the lack of consumer protection and safeguards on the Cash App platform. There appear to be * * no safety nets or dispute mechanisms * * that allow users to
effectively cancel or report unauthorized transactions. This exposes consumers to * * fraud and financial loss * *, and the company 's refusal to take responsibility for an error on their platform is unacceptable.

I am formally requesting : XXXX. A * * full refund * * of the unauthorized \ {$50.00} payment to XXXX XXXX. 
XXXX. An investigation into why this transaction occurred without my consent. 
XXXX. A review of Cash Apps policies and systems for handling and preventing unauthorized payments.

Please assist me in resolving this matter and holding Cash App accountable for their failure to protect users from unauthorized financial transactions. 

Sincerely, XXXX XXXX XXXX Cash App : * * \ XXXX XXXXXXXX * * Date of Incident : * * XX/XX/year> * * Amount Disputed : * * \ {$50.00} * * Unauthorized Recipient : * * XXXX XXXX  * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: NY

Complaint narrative:
William and Fudge repeatedly called family members during odd hours to discuss my debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with.

Please find attached a copy of my ID. The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was the co-signer on federal student loans for XXXX XXXX, who attended XXXX XXXX XXXXXXXX ( XXXX ). The U.S. Department of Education discharged these loans under Borrower Defense. On XX/XX/XXXX, an official discharge letter confirmed that the loans are unenforceable, no repayment is required, and the loans must be removed from credit reports. 

XXXX ( which took over from XXXX ) shows the loans as Paid in Full with a {$0.00} balance as of XX/XX/XXXX. Despite this, XXXX reported new delinquencies in XXXX and updated my credit file in XXXX XXXX as delinquent/charged-off. 

This is inaccurate because the loans were discharged, and XXXX own records confirm they were satisfied years earlier. Reporting new derogatory information in XXXX is false and constitutes unlawful re-aging under the Fair Credit Reporting Act. 

This false reporting is damaging my credit as the co-signer, even though the loans were discharged by the Department of Education.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was the co-signer on federal student loans for XXXX XXXX, who attended XXXX XXXX XXXXXXXX ( XXXX ). The U.S. Department of Education discharged these loans under Borrower Defense. On XX/XX/XXXX, an official discharge letter confirmed that the loans are unenforceable, no repayment is required, and the loans must be removed from credit reports. 

XXXX ( which took over from XXXX ) shows the loans as Paid in Full with a {$0.00} balance as of XX/XX/XXXX. Despite this, XXXX reported new delinquencies in XXXX and updated my credit file in XXXX XXXX as delinquent/charged-off. 

This is inaccurate because the loans were discharged, and XXXX own records confirm they were satisfied years earlier. Reporting new derogatory information in XXXX is false and constitutes unlawful re-aging under the Fair Credit Reporting Act.

This false reporting is damaging my credit as the co-signer, even though the loans were discharged by the Department of Education.

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 2025-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I am writing to formally request a review and verification of a significant and unexpected increase in my monthly mortgage payment as communicated by United Wholesale Mortgage ( UWM ). I am seeking the assistance of your office and any relevant federal or state consumer protection agencies in investigating the basis and legality of this change. 
I closed on my property and mortgage with UWM on XX/XX/XXXX. For the past XXXX  months, my monthly mortgage payment has consistently been {$4800.00}. However, I have recently been notified that beginning on XX/XX/XXXX, my new monthly mortgage payment will increase to {$6600.00}, which represents a 36 % increase. 
UWM has cited a recalculation of the escrow account for XXXX as the reason for this adjustment. However, this substantial increase appears to be disproportionate and raises concerns regarding the accuracy of the escrow analysis and whether it complies with federal mortgage servicing rules. 
Given the financial impact this increase represents, I kindly request that your office : XXXX Review the legitimacy and accuracy of the escrow recalculation performed by UWM XXXX 
XXXX. Investigate whether this adjustment complies with RESPA ( Real Estate Settlement Procedures Act ) regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My bank sent me a letter dated XX/XX/XXXX, regarding an inactive account. I had a business account ( closed on XX/XX/XXXX ) and a personal account, which is still active. The letter was regarding the business account. I made an appointment and visited the bank in person on XX/XX/XXXX, at which time I spoke with a banker regarding the inactive account. She informed me that I needed to sign into the app to keep the account active. There was no mention of a balance requirement, nor had I ever received any other letters from the Bank of America regarding ongoing fees for an insufficient balance on the account. The bank did not contact me in writing, via email or over the phone to discuss the going fees to my account. I visited the bank in person in XXXX to purchase a CD, and the banker at that time also did not mentioned that I was being charged insufficient fees on my account. The bank 's lack of communication, and customer service to me as a long time customer for over 40 years, shows a lack of good faith on their parts to properly communicate and service their customers. 

The monthly maintenance fee of {$16.00} was charged to my account, however, at this point without any statements ever being provided I estimate that the total amount of fees assessed to date going back XXXX to 3 years at {$570.00}.

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 monetary relief
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Experian Legal Department, I am writing to demand the immediate deletion of multiple obsolete accounts from my credit file. Their continued reporting is a direct violation of the seven-year reporting period mandated by Section 605 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c.

The accounts listed below constitute negative information that first became delinquent well over seven years ago. The FCRA does not allow for the reporting of this obsolete information, and its continued presence on my report is unlawful. 

Obsolete Accounts for Deletion : XXXX XXXX  ( Account XXXX XXXX XXXXXXXX ). This account is obsolete and must be deleted. 

XXXX XXXX XXXXXXXX ( Account XXXX XXXX XXXXXXXX ). This account is obsolete and must be deleted. 

XXXX XXXX XXXXXXXX ( Account XXXX XXXX XXXX  ). This account is obsolete and must be deleted. 

XXXX XXXX  ( Account : XXXX XXXXXXXX ). This account is obsolete and must be deleted. 

XXXX XXXX  ( Account XXXX XXXX XXXX ). This account is obsolete and must be deleted. I also note you are reporting an incorrect account number ( XXXX ) for this item, further proving its inaccuracy. 

XXXX XXXX XXXXXXXX ( Account XXXX XXXX XXXXXXXX ). This account is obsolete and must be deleted. 

The true Date of First Delinquency for these accounts pre-dates the seven-year reporting window. Furthermore, the fact that you are reporting incorrect account information proves your procedures are not reasonably designed to ensure maximum possible accuracy, a separate violation of 15 U.S.C. 1681e ( b ).

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello CFPB, Equifax has completed its reinvestigation of my dispute regarding XXXX XXXX XXXX ( Acct ending in XXXX ) but continues to report this account inaccurately as a repossession with a {$12000.00} balance. XXXX results ( Confirmation # XXXX, dated XX/XX/XXXX ) state the furnisher verified the information. However, this response is legally insufficient and violates multiple provisions of the FCRA.

Violations : 1. FCRA 605 ( a ) The account is past the XXXX reporting limit. First delinquency was XX/XX/XXXX. As of today, it is XXXX years, 1 month old and must be purged. Equifax is unlawfully retaining and publishing obsolete information.

2. FCRA 611 ( a ) ( 1 ) ( A ) Equifax failed to conduct a reasonable reinvestigation. Simply contacting the furnisher and parroting their response is not a reinvestigation under the law. Equifax ignored the documentary evidence provided ( DMV records, address history, and proof of errors ).

3. FCRA 607 ( b ) Equifax is required to follow reasonable procedures to ensure maximum possible accuracy. Reporting an aged-out account as an open repossession with balance due is reckless, misleading, and inaccurate.

4. Willful and Negligent Noncompliance ( 616, 617 FCRA ) : Equifaxs repeated failure to delete or correct this account despite multiple disputes demonstrates willful misconduct, entitling me to statutory and punitive damages.

Harm Suffered : I have been denied housing because of this inaccurate report.

I have incurred financial damages due to higher rent and repeated dispute costs.

I have suffered emotional distress from years of battling Equifaxs negligence.

Requested Relief : 1. Immediate deletion of the XXXX XXXX XXXX account from my Equifax file.

2. Written explanation of Equifaxs reinvestigation steps and codes used in this case.

3. Compensation for damages caused by Equifaxs failure to comply with federal law.

4. CFPB enforcement action against Equifax for repeated failures to resolve valid disputes.

Equifax has clearly failed its obligations. I urge the CFPB to compel deletion, issue penalties, and hold Equifax accountable for its ongoing noncompliance. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation