vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: LA

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding the following entries on my TransUnion credit report. The following accounts contain information that I believe is inaccurate and should be reviewed and corrected : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Issue : This accounts status and balance do not accurately reflect my payment history. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Issue : The balance and the account date should be revised for accuracy. 

Late Payment : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XX/XX/XXXX Equifax Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ), the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: WI

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, A while back I did complaint about this charge. XXXX said they responded to me but I did not see anything in mail or me email. The previous case is XXXX. I called the bank again and again, but their agents told me that is not their issue and the issue is with XXXX XXXX. I told that agent the store card was issue by XXXX. I then called XXXX XXXX they said that they did not know. I got round to so many agents can not resolve. The phone tag was played by the agent from the bank and XXXX XXXX make me very frustrated. Please help to resolve this issue so I can have my credit score back. I was always pay before the due date. 
Thank you, Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I was overcharged on my property taxes in XX/XX/year>. I was for the property next that was a new build. My taxes are around XXXX a year and it's split into XXXX payments of around XXXX. I was charged XXXX and XXXX in XXXX so I did some research and figured out what happened myself. I called NEWREZ my mortgage company and confirmed the issue. They said they was escalating the issue and should take 30 days back in XXXX. It's now XXXX and everytime I call, they tell me the same thing it's been escalated. I've been paying more monthly on my mortgage payment and it's becoming a problem and I dont know where else to turn.

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 2025-11-24 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: MD

Complaint narrative:
I own and operate XXXX XXXX XXXX XXXX, a small design and custom window treatments business in Maryland. In XX/XX/XXXX, I processed XXXX legitimate client payments through Square : {$20000.00} from client XXXX XXXX ( Invoice # XXXX ) {$3100.00} from client XXXX XXXX ( Invoice # XXXX ) Both clients reviewed and approved written estimates, and both payments were tied to active, ongoing design and fabrication projects. I have written confirmation from each client showing estimate approval and project communication. 
A few days after these payments were made, Square suddenly deactivated my account without warning and froze a total of {$23000.00}. Their email stated they will hold these funds for 90 days and will not release them until XX/XX/XXXX. This action was taken even though : Both clients approved their estimates in writing Both payments were made through Square invoices Work is in progress on both projects Neither client intends to dispute the charge I can provide documentation for all activity I attempted to resolve this directly with Square, but their customer support refused to assist me. When I called, the representative disconnected the call when they saw my account was deactivated. Square will not connect me with their risk/compliance team, and their online appeals/verification forms are blocked for deactivated accounts, leaving me with no meaningful way to submit documentation or resolve the issue.

Holding {$23000.00} of my business funds for 90 days creates severe financial hardship. This money is needed for payroll, materials, and project completion. Square accepted my customers payments, froze the funds without cause, and refuses to provide a fair review process or explanation. 
I am requesting the CFPBs assistance in requiring Square to : Conduct a real review of the documentation I can provide ( invoices, estimates, client approvals, and communications ), and Release my held funds as soon as possible, since these are legitimate and authorized payments with no indication of fraud or dispute.

I can provide all supporting documentation, including the deactivation email, invoices, written client approvals, and project details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting in accurately and without my knowledge. JPMCB account number XXXX and XXXX. Please help me get these accounts removed immediately. If you verified this account as accurate I need to see your method of verification on how you are reporting a collection with a past due balance. If you can not provide this please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I am filing this complaint because one or more accounts on my credit reports are being reported with material inaccuracies and inconsistencies across the XXXX major credit reporting agencies. The main account ( s ) in dispute are : Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX After carefully reviewing my credit reports from all three bureaus, I identified clear discrepancies in how this account is being reported ( balance, dates, status, payment history, and/or other critical fields ). The information is not the same across all three reports and, in some cases, appears incomplete or conflicting. I have attached copies highlighting these differences. 
As a consumer, I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to a report that is accurate, complete, and verifiable. Sections 607 ( b ) and 611 ( a ) ( 15 U.S.C. 1681e ( b ) and 1681i ) require the credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy and to conduct a meaningful reinvestigation when I dispute an item. Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) prohibits furnishers from reporting information they know or should know is inaccurate. 
I have already disputed this account directly with the credit bureau and provided documentation showing the inconsistencies. However, the bureau appears to have relied on automated verification rather than obtaining and reviewing the original, underlying documentation from the furnisher. The reporting remains inconsistent and, in my view, not fully verified as required by law.

Because of this, my credit file does not reflect a fair and accurate picture of my credit history. This can affect my ability to obtain credit on fair terms, may increase my cost of borrowing, and creates unnecessary risk and confusion for any lender who reviews my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: LA

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts on my Equifax credit report, which I believe contain inaccurate information. Below are the specific accounts I would like to be investigated : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$110.00} Late Payment : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I am writing to dispute certain entries on my Experian credit report that I believe are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). I am also concerned that a potential data breach could be contributing to these inaccuracies. Please investigate the following entries and provide a corrected version of my credit report. 
Below are the accounts I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Open Balance : {$380.00} Dispute Reason : The account is inaccurately reported as a collection account, despite the payment terms and conditions being potentially incorrect. I dispute the status and request a full review. 
Data Breach Concern : I suspect a potential breach or unauthorized access to my personal data, leading to the inaccurate reporting of this account. Please investigate if any such incident occurred. 
XXXX. XXXX ( XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Open Balance : {$500.00} Dispute Reason : The account status is reported as " Collection or Charge Off, '' which I believe to be inaccurate. The balance and payment history need to be corrected. 
Data Breach Concern : Given the inconsistencies in reporting, I am concerned that a data breach may have compromised my personal information, leading to these errors.

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Lending Discrimination. 
Did not disclose account disclosure at opening. 
Deceptive and unfair sign up bonus procedures. 
Laughed at my plight. 
Lack of services and products. 
Slow turnaround time. 
No understanding of history of banking within management of the organization. 
Violation of my Constitutional rights. 
Lack of concern No accountability. 
Damaged my personal credit. 
Inadequate accessibility and no attempt for any resolution to any of the above. 
I called them XXXX times. They provided zero solutions that I did not state and execute on. They are discriminating on everything.

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 2025-11-24 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX  ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-11-24 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: FL

Complaint narrative:
I am writing to dispute multiple entries on my Experian credit report, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). I am also concerned that these discrepancies may result from a data breach. Please investigate the following items and provide me with a corrected report. 
Below are the accounts in dispute : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Open Balance : {$340.00} Dispute Reason : This account is reported as Collection or Charge Off. However, the status is inaccurate and does not reflect the true account history. I dispute the late payment statuses as they do not match the actual payment timeline, violating the FCRAs requirement for accuracy in reporting.

Data Breach Concern : I suspect that a data breach may have resulted in inaccurate reporting of this account. 
Please confirm if unauthorized access to my personal data has occurred. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Closed Balance : {$2700.00} Dispute Reason : This account is inaccurately reported as Charge Off. The payment history and account status do not reflect accurate information. I dispute the charge-off status and request verification under the FCRA. 
Data Breach Concern : Due to the discrepancies, I believe a data breach may have compromised my personal information. Please verify whether there has been any unauthorized access to my data.

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 2025-11-24 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: GA

Complaint narrative:
I am requesting a reinvestigation of the following accounts that are inaccurately reported on my credit file. The accounts listed may not be properly reported according to the Fair Credit Reporting Act ( FCRA ) and require review and correction. 
Charged-Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$930.00} XXXX XXXX  XXXX Account Number : XXXX Date Opened : XXXX Balance : {$14000.00} XXXX XXXX  XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX Balance : {$4300.00} XXXX Account Number : XXXX Date Opened : XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: KY

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-24 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:
This communication constitutes my formal challenge to the referenced accounts. I neither recognize nor authorized them. I request their removal and appropriate investigation. Documentation is attached.

Company response to consumer: Closed with non-monetary relief