vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting to freeze my credit report due to the repeated appearance of unauthorized transactions that have continuously reflected on my credit file. Despite my efforts to dispute these discrepancies, they persist on my report, which is causing significant concern regarding the security of my personal and financial information. The presence of these unauthorized transactions is not only damaging my credit score but also exposing me to potential risks of identity theft and further fraudulent activity. 

Given these ongoing issues, I believe it is crucial to take immediate steps to protect my financial integrity. Freezing my credit report will prevent any unauthorized access to my credit file, ensuring that no new accounts or inquiries can be made without my explicit consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
Subject : Formal Complaint Against Credit Bureaus for Non-Compliance with FCRA Dispute Process Dear CFPB, I am filing a formal complaint against Experian for failing to respond to my credit report disputes in accordance with the Fair Credit Reporting Act ( FCRA ). Since XX/XX/year>, I have submitted multiple disputes regarding inaccurate and unverifiable information appearing on my credit reports, but the credit bureaus have failed to provide a response within the legally required timeframe. 

According to the FCRA, credit bureaus must investigate and respond to disputes within 30 days of receiving a dispute ( or 45 days in certain cases ). However, as of today, I have not received any response, nor has any corrective action been taken regarding the disputed accounts. 

The accounts in question include : XXXX XXXX Account # XXXX : ** Charge-off status disputed due to lack of verification. 

XXXX Account # XXXX : Charge-off status disputed due to lack of validation and incorrect reporting. 

XXXX  XXXX XXXX Account # XXXX : Charge-off status disputed despite balance being paid in full. 

XXXX Account XXXX XXXX : Charge-off status disputed due to lack of verification and potential duplicate reporting. 

XXXX Account # XXXX : Charge-off status disputed due to inaccurate reporting and FCRA non-compliance XXXX 

XXXX XXXX XXXX Account # XXXX : ** Discrepancies in reporting dates and verification of closure requested. 

XXXX XXXX Account # XXXX : Inaccurate charge-off status with inconsistent reporting across bureaus. 

XXXX XXXX Account # XXXX : Charge-off status disputed due to inconsistent reporting and lack of verification. 

These credit bureaus have failed to meet their legal obligations under the FCRA, which has negatively impacted my credit score and financial standing. Due to their non-compliance, I request the CFPB to take the following actions : Order the Immediate Removal of all disputed accounts from my credit report due to the failure of the credit bureaus to provide a timely response.

Investigate the Non-Compliance of the credit bureaus with FCRA regulations and hold them accountable for their failure to act within the legally required timeframe. 
Ensure Compliance with the Law by mandating that the credit bureaus follow proper dispute resolution procedures in the future.

I am attaching copies of my original dispute letters and any supporting documentation sent to the credit bureaus as evidence of my claims.

Please take swift action to enforce consumer protection laws and hold these credit bureaus accountable for their failure to comply with the FCRA. I appreciate your immediate attention to this matter. 

Sincerely, 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 2025-03-12 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-12 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: GA

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. 


FRAUDULENT ACCOUNTS : Account Name : 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 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 XXXX XXXX XXXXXX/XX/year> 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 2025-03-12 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: MS

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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MS

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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 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 2025-03-12 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-03-12 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am formally submitting a FERPA complaint regarding a serious security breach that compromised my personally identifiable information ( PII ) from my educational records. This breach has resulted in the unauthorized disclosure of sensitive data, placing me at risk of identity theft, financial fraud, and long-term credit damage.

This violation of my FERPA rights is not only a breach of federal law but also a severe failure in data protection by the institution responsible. Because my financial information was exposed, I now face increased risk of fraudulent loan activity, unauthorized credit usage, and irreparable harm to my financial stability.

Given the severity of this breach and its direct impact on my financial security, I am formally requesting the immediate cancellation of all student loans associated with my breached records. The negligence in safeguarding my information has created an unfair financial burden, and I should not be held liable for loans tied to a system that failed to protect me. 

I request an urgent investigation into this matter and demand appropriate corrective action. Please confirm receipt of this complaint and provide me with a timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc.
State: TX

Complaint narrative:
Fraudulent account requested validation showing my written signature

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filling a complaint against Cash App ( block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. 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 resolution process was unfair and deceptive, as they did not only comply with error resolution requirements under the Electronic Fund Transfer Act and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: MoneyLion Inc.
State: TX

Complaint narrative:
They did not provide proof showing my written signature nor did they do a reinvestigation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-12 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts and items that I have found to be inaccurate. XXXX XXXX XXXX credit account ending in XXXX reporting 30, 60 & 90 days late - Inaccurate XXXX XXXX XXXX  credit account ending in XXXX reporting 30, 60 & 90 days late - Inaccurate XXXX XXXXXXXX XXXX  credit account ending in XXXX reporting 30 days late - inaccurate XXXX XXXX XXXX credit account ending in XXXX reporting 30, 60 & 90 days late - inaccurate XXXX XXXXXXXX credit account ending in XXXX reporting 30 & 60 days late - innacurate XXXX XXXX XXXXXXXX account ending in XXXX reporting 30, 60, & 90 days late - inaccurate XXXX XXXXXXXX credit account ending in XXXX reporting 30 & 60 days late - inaacurate XXXX XXXX XXXX account ending in XXXX reporting 30 & 60 days late inaccurate Ally Bank credit account ending in XXXX reporting 30, 60 & 90 days late - inaccurate

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 2025-03-12 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE

Complaint narrative:
Subject : Urgent Follow-up on Delayed Payment Request for Assistance Dear Sir/Madam, I am reaching out to bring to your attention another issue concerning The Bank of New York Mellon ( BNYM ) , which is once again delaying an international payment from our company. 

On XX/XX/2025, we sent a payment to a XXXX XXXX XXXX XXXXXXXX. Unfortunately, despite the transaction being fully compliant with all regulatory requirements, the funds have not yet been received. As of today, this payment has been held by BNYM for four business days, causing delays in our commercial operations. 

It is important to note that we previously made a payment to the same recipient and using the same bank details on XX/XX/2025, in the amount of {$6200.00}, and that transaction was processed without delay. Given that there were no issues with the previous transfer, we are unable to understand why this latest payment has been held up. 

Given our previous complaint regarding frozen funds and the impact of such delays on our business, we kindly request that you monitor this case and take appropriate measures to ensure the timely processing of our payment. Additionally, we urge you to intervene and expedite the release of the funds held by BNYM to prevent further financial disruptions.

Please confirm receipt of this request and provide us with any updates regarding the status of the transaction. If additional information or documentation is required from our side to resolve this issue, please let us know as soon as possible.

We appreciate your support in ensuring that BNYM adheres to proper banking regulations and facilitates smooth international transactions.

Company response to consumer: Closed with explanation