vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX ( XXXX XXXX XXXX XXXX XXXX  ) {$1500.00} XX/XX/year> XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) {$1100.00} XX/XX/year> XXXX ( XXXX XXXX XXXX XXXX XXXX  ) {$930.00} XX/XX/year> XXXX  ( XXXX XXXX XXXX XXXX XXXX ) {$70.00} XX/XX/year> XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) {$820.00} XX/XX/year> I found an inaccurate negative items on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: MI

Complaint narrative:
This is a follow-up complaint regarding Equifaxs unlawful handling of a previous dispute I submitted by certified mail on XX/XX/2025. Equifax responded in under XXXX business days which is not only suspiciously fast, but raises serious concerns about whether any meaningful investigation took place, as required by FCRA 611.

Equifaxs response through the CFPB platform stated that multiple accounts were verified and updated, but failed to provide any method of verification as required by 611 ( a ) ( 6 ) ( B ) ( iii ).

Furthermore, I disputed several inquiries that I did not authorize. I included an FTC Identity Theft Report, yet Equifax refused to remove them or even label them as fraudulent, in direct violation of FCRA 604 ( a ) ( 3 ), 605B, and 609. 

Equifax also did not provide any documentation from the furnishers, no copies of contracts or applications, and failed to show any validation of permissible purpose under the law. 
They are in violation of : FCRA 604 ( a ) No verification of permissible purpose for inquiries FCRA 607 ( b ) Failure to maintain reasonable procedures to ensure accuracy FCRA 609 ( a ) ( 1 ) Failure to provide sources of information FCRA 611 Failure to conduct proper reinvestigation FCRA 611 ( a ) ( 5 ) ( B ) If any previously deleted items were reinserted without notice Additionally, Equifax has shown continued non-compliance with Metro 2 guidelines, which are the industry standard for credit data formatting and reinvestigation reporting. 

Their dismissive, generic response and refusal to remove clearly unverifiable or unauthorized information demonstrates gross negligence. 

I am demanding the following : XXXX. Full deletion of all disputed accounts ( including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Removal of all unauthorized inquiries, especially those from : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX. Documentation showing actual verification took place including communication logs, contracts, or applications. 
XXXX. A full reinvestigation conducted in compliance with FCRA and XXXX XXXX standards. 

If Equifax continues to ignore these requirements, I will escalate this matter further through state and federal regulators, as well as seek legal remedy under the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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 2025-08-04 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: TX

Complaint narrative:
On XX/XX/year>, Cash App placed a temporary lock on my account due to unusual activity. I received a message from support saying the hold would be lifted within 24 to 48 hours after their investigation.

That time has passed, and my {$200.00} is still being held. Ive reached out to support multiple times and continue receiving the same generic message : Alright, after checking your account, I see your account was temporarily locked due to unusual activity for your security. Youll be notified within 24-48 hours once our investigation is complete and your account is unlocked. After receiving the notification, you can log in and use your account as usual. 

It has now been more than 2 days, and there has been no follow-up, resolution, or timeline given. I have not received the promised notification, and my funds remain inaccessible. 

I request that my {$200.00} be released immediately or that I receive a clear explanation with a timeline for resolution. 

Cash App tag : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: SC

Complaint narrative:
XXXX XXXX, XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-04 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: WI

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
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

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 2025-08-04 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: WI

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MI

Complaint narrative:
I am formally responding to TransUnions inadequate resolution to my dispute submitted through the CFPB. While they updated an address on my file, they failed to properly address my complaint regarding unauthorized and unverified inquiries. 

I provided TransUnion with a valid FTC Identity Theft Report and proof of identification. Under FCRA 611, they are required to verify disputed information. Under FCRA 604, they are required to ensure inquiries are based on permissible purpose. TransUnion did not provide any evidence that the listed inquiries were initiated by me, nor did they verify these with written authorization or documentation. 

Instead, they issued a generic response that inquiries remain for two years and advised me to contact the companies directly. This response is unacceptable. TransUnion is the reporting agency and is legally obligated to conduct a full reinvestigation. Shifting the burden to the consumer, especially after an identity theft report has been filed, violates federal law and Metro 2 compliance standards.

I am requesting that this matter be reopened and that TransUnion be compelled to provide proof of permissible purpose for each disputed inquiry or permanently delete them from my credit file. I am also referencing the CFPBs prior enforcement actions against credit bureaus for similar violations.

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 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to formally request an escalation of a dispute case I have now reopened three times regarding a hotel charge of approximately {$21000.00} for a suite I booked that included four bedrooms. Despite multiple attempts to resolve this matter through the standard dispute process, there has been no change in the outcome, and I believe my case merits further review. 

The core of my dispute is that one of the four bedrooms was unusable due to a severe sewer odor, rendering the room uninhabitable throughout the duration of my stay. Additionally, upon arrival, I was not able to access the XXXX XXXX XXXX XXXX despite a XXXXXXXX XXXX check-in time. The hotel acknowledged this delay and issued a {$1000.00} credit. 

On the day of check-in, I immediately contacted American Express to inform them of the problem, but I initially chose not to file a dispute because I wanted to give the merchant the opportunity to resolve the issue, which they promised to do. Unfortunately, over the next 23 days, the hotel repeatedly gave me the runaround. It became clear that they were not going to resolve the issue, at which point I officially filed a dispute with American Express. 

My dispute request was very reasonable : I only asked for 25 % of the total charge to be refunded, reflecting the unusable 25 % of the suite ( 1 of 4 bedrooms ). I am not seeking a full refund, only fair compensation for a materially incomplete service.

The merchant claims that if I was dissatisfied, I should have left the property entirely. However, had they honestly informed me at the outset that the problem could not be fixed during my stay, I would have had the opportunity to make alternate arrangements. Their failure to be transparent placed me in a difficult position, and I believe this important context is being overlooked. 
I have been a loyal American Express cardholder for approximately 12 years and have virtually no history of disputes. I have always paid my balances and used my card in good faith. I am now asking American Express to stand by me as a customer and take a closer look at this situation. I believe this request is entirely fair and within the spirit of the protections that American Express promises its members. Thank you for your attention to this matter. I trust that American Express will do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-04 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: NJ

Complaint narrative:
Date : XX/XX/XXXX  To : XXXX  Credit Bureau Subject : Formal Dispute of Student Loan Reporting To Whom It May Concern, I am writing to formally dispute the reporting of my student loan account, due to multiple legal and regulatory violations that have occurred while I have remained an XXXX  XXXX XXXX XXXX XXXX XXXX 
As of the date of this letter, I am currently enrolled in an XXXX XXXX  that has not yet concluded. According to federal regulations under the Higher Education Act ( Title IV ), federal student loans are to be placed in automatic in-school deferment during periods of at least XXXX XXXX Despite this, my student loan has been reported as being in repayment and/or delinquent which is a clear violation of federal loan administration policies. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), a consumer information furnished to credit reporting agencies must be accurate, complete, and up to date. The reporting of my student loan as being in repayment, past due, or delinquent while I am and continue to be an active student is inaccurate, misleading, and damaging to my credit profile. This may also include failure to properly update my account status, erroneous delinquency dates, or misclassification of repayment terms.

I am further concerned about the Family Educational Rights and Privacy Act ( FERPA ) violation which occurred between XX/XX/XXXX  and XX/XX/, where my personal education-related information appears to have been accessed, transmitted, and disclosed without my consent or authorization. 
Lastly, my current program extends beyond the current year, and this misinformation may have contributed to the erroneous repayment status. Therefore, I request the following school loans to be completely removed from my credit report.

If this matter is not resolved in a timely and appropriate manner, I reserve the right to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Department of Education 's Ombudsman Group, and legal counsel if necessary. 
Thank you for your immediate attention to this matter. 
Sincerely,

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 2025-08-04 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: NJ

Complaint narrative:
Date : XX/XX/2025 To : Experian Credit Bureau Subject : Formal Dispute of Student Loan Reporting To Whom It May Concern, I am writing to formally dispute the reporting of my student loan account, due to multiple legal and regulatory violations that have occurred while I have remained an XXXX XXXX XXXX XXXX XXXX XXXX 
As of the date of this letter, I am currently enrolled in an XXXX XXXX that has not yet concluded. According to federal regulations under the Higher Education Act ( Title IV ), federal student loans are to be placed in automatic in-school deferment during periods of at leasXXXX XXXX XXXX  Despite this, my student loan has been reported as being in repayment and/or delinquent which is a clear violation of federal loan administration policies. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), a consumer information furnished to credit reporting agencies must be accurate, complete, and up to date. The reporting of my student loan as being in repayment, past due, or delinquent while I am and continue to be an XXXX XXXX is inaccurate, misleading, and damaging to my credit profile. This may also include failure to properly update my account status, erroneous delinquency dates, or misclassification of repayment terms.

I am further concerned about the Family Educational Rights and Privacy Act ( FERPA ) violation which occurred between XX/XX/2025 and XX/XX/2025, where my personal education-related information appears to have been accessed, transmitted, and disclosed without my consent or authorization. 
Lastly, my current XXXXXXXX XXXX XXXX XXXX XXXX XXXX and this misinformation may have contributed to the erroneous repayment status. Therefore, I request the following school loans to be completely removed from my credit report. 
If this matter is not resolved in a timely and appropriate manner, I reserve the right to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Department of Education 's Ombudsman Group, and legal counsel if necessary. 
Thank you for your immediate attention to this matter. 
Sincerely,

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 2025-08-04 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: NJ

Complaint narrative:
Date : XX/XX/year>XXXX  To : Experian Credit Bureau Subject : Formal Dispute of Student Loan Reporting To Whom It May Concern, I am writing to formally dispute the reporting of my student loan account, due to multiple legal and regulatory violations that have occurred while I have remained an active student enrolled at least part-time. 
As of the date of this letter, I am currently XXXX XXXX XXXX XXXX XXXX  that has not yet concluded. According to federal regulations under the Higher Education Act ( Title IV ), federal student loans are to be placed in automatic in-school deferment during periods of at least half-time enrollment. Despite this, my student loan has been reported as being in repayment and/or delinquent which is a clear violation of federal loan administration policies. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), a consumer information furnished to credit reporting agencies must be accurate, complete, and up to date. The reporting of my student loan as being in repayment, past due, or delinquent while I am and continue to be aXXXX XXXX XXXX XXXX XXXX misleading, and damaging to my credit profile. This XXXX also include failure to properly update my account status, erroneous delinquency dates, or misclassification of repayment terms. 
I am further concerned about the Family Educational Rights and Privacy Act ( FERPA ) violation which occurred between XX/XX/year> and XX/XX/year>, where my personal education-related information appears to have been accessed, transmitted, and disclosed without my consent or authorization. 
Lastly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this misinformation may have contributed to the erroneous repayment status. Therefore, I request the following school loans to be completely removed from my credit report. 
If this matter is not resolved in a timely and appropriate manner, I reserve the right to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Department of Education 's Ombudsman Group, and legal counsel if necessary. 
Thank you for your immediate attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: WI

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation