vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the accuracy and completeness of a utility account that appears on my credit report [ ACCOUNT # : XXXX XXXX XXXX XXXX XXXX ]. The furnisher reported only a charge-off status without including any prior months of payment history. Reporting only the negative portion of an account while omitting its full activity is incomplete and misleading. Under FCRA 602 ( 15 U.S.C. 1681 ), consumer reports must be fair, accurate, and complete. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), the credit bureau must follow reasonable procedures to assure maximum possible accuracy. Under FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), furnishers are required to correct or stop furnishing information that is not complete or accurate. 
Because the furnisher has not provided the full payment history, this reporting fails to meet these standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
During a recent attempt to purchase a vehicle, I discovered negative information on my credit report that I believe is incorrect. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. The inaccurate negative entries are harmful to my character and constitute a form of reputational damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 disputing the following accounts and inquiries reported on my Equifax credit report. These entries appear to be inaccurate, incomplete, or improperly reported, and I request they be corrected. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX Account Number : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payment : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am requesting a full reinvestigation of the items listed below on my TransUnion credit report. These accounts appear to be inaccurately reported and may not reflect my true credit history. Please remove any information that can not be verified according to FCRA guidelines. 

CHARGED-OFF ACCOUNTS ( TU ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 444 INQUIRIES ( TU ) XXXX  XX/XX/XXXX LATE PAYMENTS ( TU ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunbit, Inc.
State: OH

Complaint narrative:
Sunbit is reporting a 30-day late payment on my credit report that I believe is inaccurate and not properly supported by documentation or notice. 

The payment Sunbit marked as delinquent was due on XX/XX/year>. The payment was ultimately processed by Sunbit on XX/XX/year>. During this period, I did not receive clear communication or timely notice of delinquency, and I did not receive any notice that the account would be reported as late to the credit bureaus. I attempted to resolve the issue by contacting Sunbit directly. 

I requested clarification about why the payment was reported 30+ days late, documentation of any delinquency notices, and a full review of the reporting. Instead of addressing these questions, Sunbit provided only generic template responses stating that they can not adjust accurate reporting. They did not provide the information I requested or conduct a meaningful investigation into whether the reporting followed proper procedures under FCRA. 

I am asking for a full investigation into whether the late payment was accurately reported, whether proper notices were given, and whether Sunbits internal processing delays or communication issues contributed to the payment being applied late. This reporting is currently causing significant harm to my credit profile, and I am requesting that Sunbit correct or remove the derogatory mark if appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am submitting this letter as an official dispute of the referenced accounts. I am not affiliated with them and did not authorize them. Please review this matter and remove the accounts as appropriate. Supporting evidence is attached.

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 2025-11-25 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: MA

Complaint narrative:
victim of identity theft that occurred while I was incarcerated and unable to access or monitor my credit. 

According to the official police report filed with the XXXX Police Department on XX/XX/XXXX ( Report # XXXX by XXXX XXXX XXXX XXXX , I was incarcerated in the State of New York XXXX XX/XX/XXXX to XX/XX/XXXX. During that time, unauthorized individuals opened or used multiple credit accounts in my name, including cards issued by XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. 

I did not authorize these accounts, did not have access to my identity documents during incarceration, and could not have opened or used credit in any way during that period. 

These accounts resulted in fraudulent charges, collections, and negative credit reporting that have severely impacted my credit profile. I have already reported these accounts to the police and closed them. I am now requesting that the CFPB assist in : 1.Removing all fraudulent accounts and negative marks connected to these identity theft incidents. 
2.Ensuring creditors review the police report and correct or delete all inaccurate information.

3.Preventing further fraud, since my information was clearly compromised. 

I am attaching the XXXX Police Department report, which verifies my incarceration dates and confirms I could not have opened these accounts. 

I respectfully request a full investigation and correction of all fraudulent credit items. 

Thank you for your assistance.

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2025, I attempted to deposit {$10000.00} cash into a Bank of America ATM. The machine rejected the entire {$10000.00} and returned it. Immediately after, I made two separate cash deposits : 1. {$7500.00} cash 2. {$2500.00} cash Both deposits appeared in my Bank of America mobile app right after the transactions. The {$7500.00} posted normally. The {$2500.00} deposit later disappeared from my account with no explanation. 

Because it was after XXXX, the deposit did not post until the next day. When I saw the {$2500.00} missing, I filed a claim. Bank of America has denied my claim twice, stating it was based on statements, even though this was a cash ATM deposit, not a card transaction or merchant dispute. 

The ATM machine must physically account for all cash it accepts, and its internal logs, cash canister totals, and camera footage will clearly show that the machine kept my {$2500.00}. The deposit appeared in my app initially, which indicates it registered the cash intake. 

I am requesting that the CFPB require Bank of America to : Review the ATMs cash logs and video for the time of my transactions Correct the missing {$2500.00} cash deposit Provide a proper explanation instead of denying the claim using irrelevant documentation This is unprofessional and has caused financial harm. I simply want my {$2500.00} that the ATM accepted.

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/year>, I made a {$22.00} purchase from XXXX using my Cash App Card. The merchant later emailed me confirming that they would issue a refund. On XX/XX/year>, Cash App notified me that the refund was " pending '' then shortly after stated that the merchant VOIDED the refund and returned the funds to my balance. This is false. The refund never posted to my Cash App balance.

I contacted Cash App support multiple times through chat, email and by phone. I provided screenshots showing the merchant agreeing to refund me. Cash App repeatedly stated they can not reject refunds, yet their system shows the refund was voided. Cash App kept transferring me, repeating the same questions and refusing to investigate why the refund never reached my balance. They directed me back to the merchant, even though the merchant already approved the refund
.

I attempted to file a dispute in the app, but Cash App would not allow it because the transaction was marked as " voided '', which blocks the dispute option. I am now unable to dispute the transaction or receive my refund.

I am requesting that CFPB review Cash App 's handling of this refund, clarify why the refund was voided by the system and ensure that I receive the refund owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

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 youhave 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.

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 2025-11-25 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: SC

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 youhave 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within XXXX ( XXXX ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX XXXX - XXXX, XXXX OF XXXX - XXXX, XXXX XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, TRANSUNION continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal 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 non-monetary relief
Consumer complaint received 2025-11-25 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Today I contacted Navy Federal Credit Unions Bankruptcy Department and Lending Risk Department regarding an internal bankruptcy flag that remains on my checking account profile. 

The bankruptcy in question has been deleted from all three major credit bureaus. I also have written confirmation from multiple data furnishers ( including XXXX, XXXX XXXX, and XXXX ) stating that no bankruptcy exists on file and the previous record was unverifiable. 

Despite this, Navy Federal continues to maintain an internal bankruptcy code on my account. 

During my call today : 1. I was first told by an agent that in order to correct or remove the internal bankruptcy flag, I would need to pay a {$490.00} balance that had been included in my XXXX XXXX bankruptcy and discharged. 
2. When I escalated to a supervisor, she stated that the {$490.00} payment would be voluntary, but still insisted that the internal bankruptcy flag can not be manually removed or overridden. 
3. The supervisor repeated that Navy Federal can not remove the bankruptcy flag even though the bankruptcy is no longer reporting anywhere and has been deemed unverifiable by the data furnishers. 
4. I asked for written documentation of this refusal, but the supervisor stated that Navy Federal can not send anything by mail or email, and that I would be required to visit a branch in person just to obtain a written statement. 
5. The supervisor also stated that Navy Federal does not report the {$490.00} balance to anyone, but could not explain why an internal flag based on a deleted and unverifiable bankruptcy continues to be used in their system. 
6. When I asked how they could keep an internal flag tied to a bankruptcy that no longer exists and can not be verified, I was told their system can not override the internal code. 

Legal Concerns : Keeping an internal bankruptcy flag after written notice that the information is inaccurate and unverifiable violates FCRA 623 ( a ) ( 2 ) ( duty to update inaccurate information ) FCRA 1681e ( b ) ( requirement to maintain accurate information ) Suggesting or implying that payment of a discharged debt is needed for account correction even if later called voluntary conflicts with Bankruptcy Code 524 ( a ) ( 2 ) ( discharge injunction ) Requiring an in-person branch visit to obtain basic written documentation restricts my ability to dispute and document the issue properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation