vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: CO

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-08 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: NC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-08 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: MD

Complaint narrative:
I am a victim of the Equifax data breach that occurred in XXXX. As a result, fraudulent accounts were opened in my name without my authorization. These accounts have been reported on my credit report, and I have already filed an identity theft report with the Federal Trade Commission ( FTC ), which includes the fraudulent accounts. 

I requested that Equifax and other credit bureaus remove these fraudulent accounts from my report and conduct a thorough investigation. Despite these efforts, the accounts remain on my report, and I have not received any adequate responses or documentation confirming their removal. I have also disputed these accounts multiple times with no resolution.

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 2025-05-08 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: MD

Complaint narrative:
I am a victim of the Equifax data breach that occurred in XXXX. As a result, fraudulent accounts were opened in my name without my authorization. These accounts have been reported on my credit report, and I have already filed an identity theft report with the Federal Trade Commission ( FTC ), which includes the fraudulent accounts. 

I requested that Equifax and other credit bureaus remove these fraudulent accounts from my report and conduct a thorough investigation. Despite these efforts, the accounts remain on my report, and I have not received any adequate responses or documentation confirming their removal. I have also disputed these accounts multiple times with no resolution.

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 2025-05-08 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX XXXX, a federally protected consumer with a RIGHT TO PRIVACY under 15 U.S.C. 1681a ( 4 ) and the full protections of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I am filing this complaint against TRANSUNION for repeatedly violating my consumer rights by reporting an XXXX account ( Account XXXX ) without my written authorization or consent, which is a direct violation of 15 U.S.C. 1681b ( Permissible Purpose ). Despite multiple disputes, this being the FOURTH ATTEMPT, TransUnion continues to report this account. I never gave consent or authorization to be reported, and no documentation exists proving my consent to report it. This is identity theft and violates 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ). Additionally, the information being reported by TransUnion is not consistent with other credit bureaus. XXXX reports different data or information, and XXXX does not report this account at all, proving a lack of maximum possible accuracy, in violation of 15 U.S.C. 1681e ( b ) ( Maximum Possible Accuracy ). The inconsistent and inaccurate reporting is harming my creditworthiness, blocking me from securing a loan for my business and housing for my family, which causes real financial and emotional damage. TransUnion 's failure to delete this account after multiple disputes amounts to negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o, which allows for civil liability and statutory damages of {$1000.00} per violation. Their continued reporting after clear notice and evidence shows disregard for FCRA obligations. I am deeply disappointed with the repeated failure to correct this issue, and I demand that the CFPB take enforcement action immediately. TransUnion is not complying with the accuracy and permissible purpose standards, and its inaction is causing irreversible damage. I have already sought legal counsel and am prepared to take further legal action if this issue is not resolved.

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 2025-05-08 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: NV

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NV

Complaint narrative:
INFORMATION INCORRECT ON CREDIT REPORT, CREDIT COMPANIES NOT UPDATING REPORTS AS PER PAYMENT RECEIVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
Issue : Money was sent to me but never received What happened : > On XXXX XXXX XXXX XXXX XXXX my sister sent me {$10.00} via Cash App. The payment shows as Completed on her end, and I have all screenshots and confirmation proving this. Despite this, the money never showed up in my balance. 

I contacted Cash App support five separate times. Each time I was told my case was documented, but their final message was that I should move on because theres nothing they can do. They offered no refund, no fix, and no escalation. 

This is unacceptable. That {$10.00} was my food moneyI havent eaten in two days because of this. I followed all the correct steps and used their app in good faith. Their system failed, and Im now the one suffering for it. 

I have documentation proving : The transaction was completed The money never appeared in my balance Multiple unhelpful interactions with support Im asking that the CFPB investigate this and hold Cash App ( Block, Inc. ) accountable. No one should be left hungry or helpless because of a financial companys error and negligence. 



Company name : Block, Inc. ( Cash App ) Requested resolution : Refund the missing {$10.00} and address their support teams dismissive behavior. 


This was all over XXXX XXXX but now I just feel exploited and brushed aside.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
My cash app was closed due to numerous transactions and it was responding to it as fraud I wasnt able to move or recover my money anymore and I tried to reach out to customer service they didnt have it which is against the law. I want justice and compensation for this unfair treatment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CO

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased some car parts through XXXX from a company XXXX but figured out they are impersonating another company. They have been running ads on XXXX for a while. This should have been shut down a while ago. I sent them a XXXX for {$190.00} and never received my item and they do not respond to my messages. I called my bank Chase and XXXX, but stated they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-08 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
My Experian credit report also inaccurately lists a charge-off for a XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXX ) from XX/XX/year> with a balance of {$120.00}. This account has not been properly validated, yet it continues to negatively impact my credit score and financial stability. Given the sensitive nature of my financial information, it is concerning that this error persists, suggesting a potential data breach that puts my personal data at risk. This misreporting violates my rights under 15 USC 1681n, 1681 ( c ) 2, and 1692 ( g ), which clearly outline the requirement for accurate and properly verified reporting. The presence of this unvalidated debt has caused me ongoing financial and emotional distress, undermining my ability to move forward financially.

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 2025-05-08 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-05-08 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I had purchased XXXX Apple XXXX and used Apple Goldman Sachs card. I was paying big payments to my balance. They keep showing it as a negative on the statement but were not putting towards my balance due. I called them several times. I had the issue escalated to upper level. I keep getting the answer that they could only put the min. payment towards my account. I said I wanted to pay my balance in full, they said I could but it would still only be paid over the term of apples no intrust plan. I still had 20 months so they were holding my account hostage for 20 months they would not refund the credit I had and would not put that money towards my balance. They were holding the money and my account hostage. You should always be able to pay your balance in full have a ( XXXX ) balance and not have a company hold your account open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this formal dispute to address multiple instances of inaccurate and conflicting personal identifying information currently being reported by TransUnion, Equifax, and Experian in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). This section of the FCRA mandates that credit reporting agencies maintain data that is accurate, complete, and up to date. The current information associated with my credit file fails to meet that legal standard. 

Only the following information is accurate and verifiable : My Full Legal Name is : XXXX XXXX XXXX XXXX XXXX of Birth is : XX/XX/year> My only Social Security Number is : XXXX My Current Address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX My only Employer is : XXXX Attached to this dispute are three official and verifiable documents : My Florida state-issued photo ID My Social Security card A recent utility bill verifying my residential address Each of the three credit bureaus has failed to maintain accurate personal identifiers on my file. They continue to report variations of my name, past or incorrect addresses, and potentially unverifiable or obsolete employment information. This kind of outdated, incorrect, or duplicated data introduces the risk of file fragmentation, identity mismatch, or even identity theft, all of which can lead to credit denials, increased interest rates, and reputational harm. 

The Federal Trade Commission ( FTC ) and numerous court rulings have reaffirmed that credit reporting agencies bear a legal obligation to investigate disputed data and correct or delete unverifiable or inaccurate information. The continued reporting of these false identifiers not only violates FCRA 1681i ( a ), which mandates timely reinvestigation and correction of disputed information, but may also expose the bureaus to civil liability under FCRA 1681n and 1681o for willful or negligent noncompliance.

If these inaccurate entries are not corrected and confirmed in writing within the required 30-day window, I am prepared to escalate this issue by filing supplemental complaints with the FTC, the State Attorney General, and pursuing legal action under FCRA liability statutes. This notice serves as both a formal dispute and demand for correction. 

Sincerely, 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