vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

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 2025-12-29 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
THE FOLLOWING HARD INQUIRIES ARE FRAUDULENT AND DO NOT BELONG TO ME, THEREFORE, THEY MUST BE REMOVED : XXXXXXXX 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 explanation
Consumer complaint received 2025-12-29 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: PR

Complaint narrative:
THE FOLLOWING HARD INQUIRIES ARE FRAUDULENT AND DO NOT BELONG TO ME, THEREFORE, THEY MUST BE REMOVED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
SEVERAL INQUIRIES APPEARING ON MY CREDIT REPORT WERE NOT AUTHORIZED BY ME. I DID NOT PROVIDE CONSENT AND WAS NOT AWARE OF THESE INQUIRIES AT THE TIME THEY WERE MADE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-29 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: NY

Complaint narrative:
XX/XX/2025 XXXX XXXX  ran my credit for application XXXX. I never went to XXXX for any loan or application. I went to XXXX  XXXX for a lease. Lease was approved XX/XX/2025. They ran my credit after my lease. They said they double ran the credit on XX/XX/XXXX why does their records state the credit was denied on the XXXX then. Totally fishy.

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 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a cashiers check mailed out to me in XXXX and I never received it, I was told originally that the check would be mailed out in Mid XXXX of XXXX XXXX  and then the XXXX. After not being mailed out in XXXX I filed a declaration of loss form and the case was said to be resolved on the XXXX. The cashiers check is still not created, I requested expedited shipping and I need the money urgently due to facing eviction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AZ

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

Company 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 2025-12-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally complain about Experians conduct regarding my attempts to opt out of their credit reporting program. Despite my repeated requests, Experian has not allowed me to withdraw from their program. I initially did the 7 day free trial, signed up for the free services and later found out My account used for verification was charged repeatedly without my knowledge or authority. I disputed all the charges with my bank. Furthermore, I have experienced retaliatory actions, including being denied access to their free program to dispute false and inaccurate info. The reporting of inaccurate information that has negatively impacted my credit score.

This situation is causing significant harm to my financial well-being, and I request an immediate investigation and resolution of these issues. 
Thank you for your prompt 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 2025-12-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reviewed my Experian credit report and found discrepancies with the following accounts. I respectfully request that the inaccuracies be corrected and the accounts be removed or updated as appropriate. 

CHARGED OFF XXXX  Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX  Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX  Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX Experian ( XXXX ) : XXXX Account # XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations 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 2025-12-29 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: FL

Complaint narrative:
I am submitting this complaint as my XXXX ROUND complaint against Equifax for its continued failure to correct inaccurate, outdated, and unverifiable personal identifying information in my Equifax credit file, despite multiple disputes and prior complaints. 

This is not an isolated error. Equifax has been provided my correct and verified identifying information multiple times and has failed to permanently remove incorrect names, addresses, and identifiers from my consumer file. This ongoing failure exposes me to identity theft, misattribution of accounts, and continued financial harm. 

Correct and Verified Personal Information ( ONLY information that should appear on my Equifax credit report ) : Full Legal Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Despite XXXX rounds of disputes and complaints, Equifax has failed to conduct a reasonable reinvestigation and has failed to maintain maximum possible accuracy, as required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau XXXX, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX  XXXX, XXXX, XX/XX/year>, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/year>, Balance : {$20000.00} Inquiries : [ No inquiries listed ] Late Payments : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-12-29 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions Inc. for violations of the Fair Credit Reporting Act ( FCRA ) arising from its continued handling, verification claims, and dissemination of inaccurate and legally unverifiable bankruptcy public-record data associated with my consumer file.

LexisNexis has acknowledged in prior CFPB correspondence that it relies on third-party sources, including PACER data and information supplied by nationwide consumer reporting agencies, and that it does not independently produce or validate tradeline data. Despite this admission, LexisNexis continues to collect, aggregate, process, and redistribute bankruptcy public-record information that is materially inconsistent across XXXXXXXX XXXX, and XXXX. 

The XXXX  XXXX bankruptcy filed on XX/XX/year> is reported with missing and conflicting reference numbers, incomplete court identification, absent liability and asset fields, contradictory status indicators, and inconsistent discharge and closing dates. These inconsistencies render the public record incomplete and unreliable as disseminated. 

Failure to Maintain Reasonable Procedures By relying on automated matching, third-party aggregation, and generalized PACER accesswithout certified docket verification or reconciliation of conflicting dataLexisNexis has failed to maintain reasonable procedures to assure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ). Further, forwarding disputes to consumer reporting agencies without ensuring
that the disputed information is complete, accurate, and verifiable fails to meet the reinvestigation requirements of 15 U.S.C. 1681i and the disclosure obligations of 1681g. LexisNexis can not disclaim responsibility by characterizing itself solely as a reseller while simultaneously influencing and perpetuating the reporting of disputed public-record data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Block, Inc.
State: FL

Complaint narrative:
My Cash App account was suspended in XXXX after I received a payment from another individual who later confirmed they had entered an incorrect transaction description. I had no involvement in the description used and was not notified or contacted prior to the suspension. 

Since the suspension, Cash App has failed to provide a clear explanation, written determination, or timeline for resolution. Despite repeated attempts to contact support and escalation requests, several months have passed with no meaningful response, no instructions for compliance, and no access to my funds ( {$1200.00} ). 

I am willing to provide identity verification or documentation ; however, Cash App has not communicated what is required. The prolonged restriction without notice or resolution has caused financial hardship. 

I am requesting that Cash App provide a written explanation for the suspension and either reinstate my account or release my funds without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have previously complained with this company and did not get resolve. I was then mailed a letter to pay and delete for the amount of XXXX. I did this months ago and the representative advised me that it would be deleted within 45 days of payment but it has been double that with no resolve

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
In XXXX of XXXX, I received a letter from Comenity Bank stating that my application was denied. Comenity Bank stated that my credit score was below their minimum requirement. The PROBLEM is I NEVER APPLIED FOR ANY CREDIT with this company! My identity has been compromised and it is starting to cause great financial stress and hardship. This is my first attempt to file a report and to hopefully have this issue come to a successful conclusion. Also, I had to wait on the reopening of the government. The government was shut down for most of the Fall Season. Also, I am concerned that this letter that I received may be part of greater scam that I don't won't to subject myself to. So, I am filing my first complaint with The Consumer Financial Protection Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am disputing and request the immediate removal of a negative credit entry related to a TD Bank Auto Finance account. 

The auto loan has been paid in full. A request for a " Pay off '' amount was issued by TD Bank. The exact " Pay off '' amount was sent into TD Bank and payment was cashed and excepted to satisfy the loan. TD Bank accepted payment as " Paid IN FULL ''. I received a letter from TD Bank confirming that my account was PAID OFF, with a Congratulations letter from TD Bank dated XX/XX/XXXX. In addition, TD Bank released the title to my XXXX XXXX and issued the Certificate of Title issued in my name. TD Bank Auto Finance has confirmed that I have satisfied the loan and that I am the sole owner of the XXXX XXXX XXXX. 

Month 's later TD Bank is now saying that I still owe money on a " Paid in Full '' auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
I have been a victim of identity theft due to recent data breaches. On TransUnion I have four recent hard inquiries that I did not authorize, the following inquiries are on the authorized by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XXXX  I have one hard inquiry that has not been authorized by me XXXX XXXX XX/XX/year>, I also have a insurance account from XXXX open XX/XX/year> reported XX/XX/year> balance 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 2025-12-29 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: FL

Complaint narrative:
TransUnion LLC, is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and by willfully violating the FCRA 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