vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-08 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: SC

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-07-08 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: NC

Complaint narrative:
I am filing this complaint against Department of EducationXXXX regarding a XXXX  day late payment reported on my student loan account without proper notification and with a breach of my privacy. 
I was never notified of a missed paymentnot even a 30-day delinquencyby mail, phone, or email. After I contacted the servicer, I was told that email notifications had been sent to someone who is not affiliated with me and who does not live in my household. 

This is a violation of my privacy and denied me the opportunity to address the issue before it was reported. I believe this constitutes : A violation of privacy protections under federal law Failure to provide legally required notice of delinquency Inaccurate and unfair credit reporting under the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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 am filing this complaint against Department of Education/XXXX regarding a XXXX  day late payment reported on my student loan account without proper notification and with a breach of my privacy. 

I was never notified of a missed paymentnot even a 30-day delinquencyby mail, phone, or email. After I contacted the servicer, I was told that email notifications had been sent to someone who is not affiliated with me and who does not live in my household. 

This is a violation of my privacy and denied me the opportunity to address the issue before it was reported. I believe this constitutes : A violation of privacy protections under federal law Failure to provide legally required notice of delinquency Inaccurate and unfair credit reporting under the Fair Credit Reporting Act ( FCRA )

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 2025-07-08 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: NC

Complaint narrative:
I am filing this complaint against Department of EducationXXXX regarding a XXXX  day late payment reported on my student loan account without proper notification and with a breach of my privacy. 

I was never notified of a missed paymentnot even a 30-day delinquencyby mail, phone, or email. After I contacted the servicer, I was told that email notifications had been sent to someone who is not affiliated with me and who does not live in my household. 

This is a violation of my privacy and denied me the opportunity to address the issue before it was reported. I believe this constitutes : A violation of privacy protections under federal law Failure to provide legally required notice of delinquency Inaccurate and unfair credit reporting under the Fair Credit Reporting Act ( FCRA )

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 2025-07-08 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  XXXX XXXX : {$410.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$8100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$100.00} Open Date XX/XX/XXXX Inquiries : 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 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint on Cash App ( Block, Inc. ) due to inadequate customer service and unfair practice, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute and resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate regress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: 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 non-monetary relief
Consumer complaint received 2025-07-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$850.00} XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$630.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern:\n\nThese are the facts in order:\n\n1)\tI applied online when getting an XXXX XXXX ticket. I got the number and purchased the ticket.\n2)\tI received no paper or email correspondence after this until today when I got an email that my account was past due. That first email about my account is included. \n3)\tI immediately logged in and tried to set up a payment. Though my email was listed correctly in my profile, every time I tried to set up billing in two different browsers, a different email showed up. The system would not allow me to correct this email or move forward with an online payment. I had to call in and make a payment on the phone, which I did.\n4)\tI searched my inbox and my trash from my XXXX  account. I have no emails about statements or payments due before today. Screenshots of that are attached. I have received no paper statements or correspondence.\n5)\tI chatted with someone online who said he could not address any of these issues. He gave me a phone number to call and now I have been on hold for over 19 minutes without the option to speak to a representative.\n6)\tI finally spoke to a representative and she is indicating that I had the burden of logging into the account and looking for statements or payments due. Every other credit card or credit account I have ever had sends me at least an email when there is a new statement or payment due. You never did that. \n\n\tI immediately need any overdue payments reported to any credit bureaus corrected to reflect no overdue payments. \n\tI need any late fees removed. \n\tI also need your online system corrected for me to be able to set up online payments. It is onerous that I would have to call in and make any payments.\n\tI also need a guarantee that I will at least get an email when I have a new statement. \n\tIf all these needs cannot be met, I need the account closed and I will pay it off in full immediately.\n\nNow I have been on the phone more than forty minutes awaiting a supervisor.  I am giving up on your deliberately unhelpful customer service and handling as I would any other serious legal matter.\n\nI run a business that grosses over $XXXX per year. I have a personal net worth of over $XXXX XXXX. You will not affect my credit due to your negligence. I will hire an attorney if necessary to correct this.\n\nSincerelyXXXX XXXX: CFPB, 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 monetary relief
Consumer complaint received 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights. 
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.

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 2025-07-08 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: IL

Complaint narrative:
I submitted a formal dispute to XXXX and the debt collection agency regarding inaccurate reporting of a XXXX XXXX XXXX account . The furnisher did not respond with verification within the required 30 days. Despite this, the credit bureau verified the item and refused to remove it. 

This is a violation of FCRA 611 ( a ), which requires deletion if the furnisher fails to respond or verify

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
I submitted a formal dispute to XXXX and the debt collection agency regarding inaccurate reporting of a XXXX XXXX XXXX account . The furnisher did not respond with verification within the required 30 days. Despite this, the credit bureau verified the item and refused to remove it. 

This is a violation of FCRA 611 ( a ), which requires deletion if the furnisher fails to respond or verify

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 2025-07-08 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: OK

Complaint narrative:
Sat, XX/XX/XXXX, XXXX, I accidentally sent {$150.00} via CashApp to a personal vendor I used once in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whose name remained in my contacts and starts with XXXX. I was intending to pay a local friend who had repaired my AC unit. His name also begins with XXXX, and it appears I either misclicked or the app defaulted to the previous contact. 

At that time, CashApp had no meaningful authentication stepsno PIN was required, and there was no Are you sure? confirmation. Anyone in the contact list could be paid with a single accidental tap. 

When I realized the mistake, I immediately contacted the recipient to request a refund. She refused to return the money, despite having done absolutely nothing to earn it. In my view, this is fraud and theft. 

Whats especially frustrating is that the CashApp experience has since changed. Today, when paying my lawn service, the app requires my PIN and confirms that I want to send the paymentexactly the safeguards that would have prevented this error in in XXXX. 

Their response so far has essentially been : Appeal denied After carefully reviewing the details of your appeal, we found that our original decision was correct. 
This means were unable to refund your payment of {$150.00} to XXXX XXXX. This decision is final. 
We appreciate your patience throughout this process. 
Thank you, Cash App Support But this ignores : The design flaw at the time ( no authentication or confirmation ) The clear evidence that the recipient kept funds for no service Changes since then, which demonstrate they recognized the security issue I ask you to help with this claim for CashApp to provide a refund or credit. I also requested documents from CashApp regarding this escalation formally so that it is not dismissed with a template response. 

Thank you for your time and attention. 

Best regards, XXXX XXXX XXXX They did not provide a case #

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XX/XX/year>, I was approved by XXXX XXXX XXXX for a used auto loan. When I go into the App to accept the terms there system says it is having a technical error. After I reset the App and log back in, the loan is no longer. I applied for another loan with the help of the XXXX XXXX application loan team and they advised to me that the credit team wouldn't pull another hard inquiry on my credit and that they will just use the same one and honor the first loan terms. That did not happen. They told me they would report to the Credit Bureau so that my hard credit pull would come off. That did not happen. 

In XX/XX/year>, I applied for another auto loan. The same issue happened again ; approved for loan, go to accepted terms and system error. I called and asked them to either honor the loan or delete my hard inquiry. 

This is misleading and fraudulent to approved someone for a loan and then have a system error and not honor the loan terms. especially if I re-applied less than 30 days later and you pull a hard credit inquiry and comeback with terms much significantly high interest rates.

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