vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: AL

Complaint narrative:
b"Equifax,Experian,Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  disputed all negative items that's reporting on my credit report. I requested a validation of debt letter. And if it could not be provided that by law they had to remove all negative items from my credit report within 30 days. It's been well over 30 days and they refuse to remove them and said that it will remain on my credit. I would like a freeze to be placed on each company listed above.\n\nI also mentioned codes 15 USC 1681 s2 (b)\n\nI also would like a XXXX  per each late payment that is reporting on my credit report. due to a defamation of character. Causing me mental and emotional stress and hardships. I am currently struggling because of this I'm not able to buy a house or get a car due to my credit report.\n\nThis is also a cease and desist for each company listed above! I would like for my rights to be granted respectfully. XXXX XXXX XXXX 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently disputed multiple unauthorized Hard Inquiries on my consumer report. This was disputed with Equifax as a result of excessive and improper dissemination of my consumer information ( shotgunning ) and is a clear violation of my rights under the Fair Credit Reporting Act. Company failed to do a proper investigation and verify these Inquiries as authorized and or removed these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a request for a reinvestigation of items reported on my credit report and Equifax did not reinvestigate after I submitted all the required documents required by the FCRA. By law Equifax is supposed to perform a reinvestigation of the items I submitted and provide me with the results of the reinvestigation. They sent a letter stating that they didnt receive the correct information to dispute the items I requested a reinvestigation on. Which is inaccurate because I provided everything required by law to dispute. They also dropped my credit score XXXX points after I sent my dispute which confirms that they did receive the proper information to do a reinvestigation of my dispute but willfully did not process my request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the Fraudulent XXXX Student loan accounts. My highly sensitive personal information was exposed in the 2022 XXXX data breach and the recent XXXX incident. I am a victim of Fraud. Under 15 U.S.C 1681C-2, these accounts must be blocked and removed from my credit file within 4 business days by law. If not removed you will be held accountable. In addition, under FERPA, my education records and personal identifiers should have been safeguarded and not disclosed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
Received a letter in the mail dated XX/XX/year>2025 from The Receivable Management Services LLC. Their return address shows as follows : XXXX XXXX XXXX XXXX, PA XXXX The phone number is ( XXXX ) XXXX The letter stated that I owed my XXXX insurance company {$150.00}. This past month I had gotten a new vehicle and my insurance company, XXXX XXXX ( which is stated on the letter ) had just gotten changed to XXXX XXXX. After seeing debt collector I got nervous and paid the {$150.00} on the Receivable Management Services LLC website. Afterwards, i noticed that their letter did not seem legitimate and shortly after contacted my bank as I used a debit card. They canceled my card and issued me a new one stating that they looked the company up and it is indeed not legitimate. They are waiting until the payment goes through in order to dispute it. After doing some research online about them, I see that many others have reported them for very similar issues. I feel violated and disgusted.

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 2025-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I attempted to change my legal name with Cashapp, as this was changed in XXXX of 2025. Their system says that they require a front and back image of the drivers license, a photo of you holding your license, and a copy of the court order/other documentation supporting the legal name change in order for a customer service representative to update this info. 

Instead, they refused to update my information and claimed I had to open brand new accounts instead. When I asked why this was the case when their own system stated otherwise, the representative just kept repeating my complaint would be logged but they refused to assist me further or elaborate why they were providing me different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: AR

Complaint narrative:
I took a look at my credit report and notice a fraud accounts listed.

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 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The investigation did not fix the errors on my credit report

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 2025-08-17 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-17 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: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has not removed this foreclosure account from my credit bureaus. It is still being reflected and this account does not belong to me. Please help me get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, IL XXXX PERSONAL INFORMATION Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL 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 2025-08-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX VA XXXXDate of Birth: XXXXSSN: XXXXXXXXTO: EXPERIAN, TRANSUNION, EQUIFAX\nSubject: Unauthorized Hard Inquiry Dispute & Removal Request\n\nI am writing to dispute several unauthorized hard inquiries on my credit file. These inquiries were not approved by me and do not reflect any credit application I initiated.\n\nPursuant to my rights under the Fair Credit Reporting Act (FCRA) 604(a)(2), a consumer reporting agency may only furnish my credit report for a permissible purpose, such as a credit application, employment screening, or insurance underwriting. Any inquiry made without my knowledge or consent is considered impermissible and must be removed immediately.\n\nAdditionally, under FCRA 611 (15 U.S.C. 1681i), I have the right to dispute inaccurate information, and the credit reporting agency must conduct a reasonable investigation and remove any unverifiable or unauthorized inquiries.\n\n Case Law Supporting My Dispute\XXXX XXXX XXXX XXXX XXXX XXXX (257 F.3d 409, 4th Cir. 2001)  Reinforces the duty of consumer reporting agencies to ensure maximum possible accuracy.\XXXX v. TransUnion Corp. (246 F.3d 359, 5th Cir. 2001)  Establishes liability for failure to remove inaccurate or unverifiable informationXXXX v. Equifax, Inc. (602 F.2d 811, 8th Cir. 1979)  Confirms a consumers right to dispute and have erroneous credit data corrected.\n\nThese cases collectively support my position that credit bureaus are obligated to remove impermissible or unverifiable inquiries to maintain accuracy.\n\n Unauthorized Inquiries to RemoveXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Action\nI am formally requesting that you:\n\nInvestigate these inquiries to verify if there was a permissible purpose.\n\nRemove any inquiries that cannot be verified as authorized by me.\n\nProvide written confirmation of the deletion of these unauthorized inquiries.\n\nUnder the FCRA, if the inquiries cannot be verified, they must be removed within 30 days and you must send me written notice of your actions.\n\nI have enclosed copies of my ID and proof of address for verification purposes.\n\nThank you for your prompt compliance with this request.\n\n\n\nSincerelyXXXX 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ID Analytics, Inc.
State: AL

Complaint narrative:
To Whom It May Concern : I am writing under the authority of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 1681e ( b ) ( Sections 604 and 607 ), to demand that all outdated, inaccurate, or unnecessary personal identifiers ( specifically all prior addresses ) be removed from my file.

The FCRA requires that consumer reporting agencies maintain only accurate and relevant information. Outdated addresses and phone numbers are no longer valid, serve no permissible purpose under 604, and increase my risk of fraud and identity theft. These entries are obsolete and must be removed to ensure full compliance with 607, which requires agencies to follow reasonable procedures to assure maximum possible accuracy. 

My only accurate and current contact information is as follows : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX I am enclosing copies of my government-issued ID and proof of my current address for verification. You are hereby instructed to investigate and confirm deletion of all prior addresses and phone numbers from my file across all nationwide consumer reporting agencies. Please provide written confirmation of these deletions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I am disputing an account being reported/collected by OneMain Financial XXXX This account is inaccurate and/or unverifiable under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my written requests for validation, XXXX XXXX XXXX has not provided a signed agreement, itemized statement, or proof of ownership. Continued reporting and collection attempts are causing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : [ Insert Date ] Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of Inaccurate Reporting XXXXXXXX XXXX XXXX Account To Whom It May Concern, I am formally disputing the accuracy of the information being reported on my Equifax credit file regarding the XXXX XXXX XXXX account. 
Between XX/XX/XXXX, and XX/XX/XXXX, a remark was added to this account stating : Redeemed or reinstated repossession. 
This is factually inconsistent with the prior status of this account, which has been reported as a charge-off. A single account can not legally be reported as both : a charge-off ( debt written off as uncollectible ), and a redeemed or reinstated repossession ( loan reinstated or redeemed after repossession ). 
Reporting both is contradictory and misleading to potential creditors and constitutes a violation of : FCRA 607 ( b ) : Requiring consumer reporting agencies to assure maximum possible accuracy. FCRA 611 ( a ) : Mandating reinvestigation and correction/deletion of any inaccurate or unverifiable information. FCRA 602 ( A ) : Prohibiting reporting that creates an unfair or misleading impression about a consumers creditworthiness.

I demand that Equifax conduct a full reinvestigation and delete this account entirely from my credit file if XXXX XXXX can not provide verifiable documentation to support both of these conflicting statuses. 
Partial correction or leaving the remark intact will not resolve the inaccuracy. 
Please provide me with the results of your investigation within the 30 days required by law. 
Sincerely, 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 2025-08-17 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: TX

Complaint narrative:
I checked my latest credit report and noticed multiple fraudulent accounts that do not belong to me and and are embarrassing for me to move forward.

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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to file a complaint regarding deceptive and unfair practices by Discover related to my credit card account. 

When I opened this account, the terms communicated to me were : Introductory promotional rate of 3 %. 
Fixed rate of 10.99 % after the introductory period. 
Separate rates only for balance transfers or cash advances ( not the regular card balance ). 
No annual fee for maintaining the card. 

However, my experience has been inconsistent with these promises : 1. Undisclosed Variable Rate : I recently discovered I am being charged a 27.99 % variable rate, despite being told the rate would be 10.99 % fixed. 
2. Daily Compounding : I was not informed that the account would use a daily interest-bearing system. I was led to believe interest would be charged at a flat annual rate. 
3. Confusing and Contradictory Pricing Schedule : The pricing schedule states that balances within the first year would be subject to 24.49 %, which conflicts with the original promise of 3.99 % intro / 10.99 % fixed thereafter. 
The document refers to an annual percentage fee of 24.49 %, which misleadingly appears to be an interest rate for balance transfers not the card balance. This creates the impression that there is both no annual fee and an annual percentage fee, which is contradictory and deceptive. 
When I raised these concerns with the company, I was told the only option would be to close my account and reapply, despite having been a loyal customer for five years. 

The combined effect of these unclear, and not the original terms I agreed to when opening the account. The Pricing Schedule mailed after the account was opened is misleading. This has caused me significant financial harm and confusion. The way these terms are presented appears designed to obscure the true costs of the card and prevent customers from understanding the real interest obligations.

Company response to consumer: Closed with non-monetary relief