vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to investigate disputes within 30 days ( or 45 days if I provide supporting documentation ). If the disputed information can not be verified, it must be deleted from my credit report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I have the right to request validation of this debt. Under FCRA, 15 U.S.C. 1681s-2 ( b ), if the creditor or debt collector can not verify the debt, it must be corrected or removed from my credit report. Despite these legal requirements, Experian, TransUnion, and Equifax have failed to comply. It has been more than 120 days since I initiated this process, and I have received no resolution. I demand that this matter be addressed and corrected immediately

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to investigate disputes within 30 days ( or 45 days if I provide supporting documentation ). If the disputed information can not be verified, it must be deleted from my credit report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I have the right to request validation of this debt. Under FCRA, 15 U.S.C. 1681s-2 ( b ), if the creditor or debt collector can not verify the debt, it must be corrected or removed from my credit report. Despite these legal requirements, Experian, TransUnion, and Equifax have failed to comply. It has been more than 120 days since I initiated this process, and I have received no resolution. I demand that this matter be addressed and corrected immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-01 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.

1681c2 ) that you, the Equifax credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: CO

Complaint narrative:
It has been almost XXXX months since this information was submitted in person. My sister XXXX XXXX XXXX. I was told it would take XXXX business days to be able to resolve this account. I also needed her bank statements for XXXX through the present as I suspect fraud on her account. I am concerned that the delay is to prevent filing a dispute on those fraudulent transactions. I am also concerned about continued fraud of this account. I contacted the banks XXXX headquarters to no avail. The bank has told me I may need additional documentation from the court. I have given them documentation that the XXXX of XXXX states is necessary for a small estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
I wan na report something against the app Cash app due to multiple failures on the app, malfunctions, how easily it to get scammed. Fraud.. Etc which i have found to voilate CFPA ( Consumer Financial Protection Act. Never got my fraud addressed or even looked at. Taken care of.. Nothing. Their dispute process is inadequate and not fair at all. Not complying with the XXXX. Ive lost lots of money that i needed trusting this popular app. All money is reported to be refunded and i will make sure of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-10-01 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 am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Sold to this company XXXX of XXXX. Made first payment in XXXX. Will admit it was {$400.00} short. XXXX payment paid in full. I have been making full payments INCLUDING late fee every month. When going on website to see payment history I noticed that my partial payment made in XXXX of XXXX was NOT APPLIED. I have had my most recent payment ( XX/XX/XXXX ) also has not been applied. They are telling me that I am XXXX  months behind on payments. I can honestly see where they can tell me I am behind as I was short {$400.00} but they say I owe over {$3000.00}! I asked them to send that the unapplied partial payment be sent back to me if they werent going to use it and I got a letter ( finally ) telling me that this was a complicated situation and we will need time to research this. Have not heard from them since except for statements and emails. 
I have sent payments every single month, paid in full with late fees. There have been times where a payment was made after the first, but always made before the XXXX of the month. I cant even understand the way they post my payments, even the person on the phone cant understand it! 
My math says I owe {$400.00} plus maybe interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is to dispute my late payments reports to the credit agency. I also would complain about your customer service department for lying to me about helping clear the credit reporting that my late payments ( that were not my fault as I never got the late payment notifications to my email ). You asked me to go paperless notification and the system default, and I never received notification of the annual fee nor the late payment received. I called on XX/XX/XXXX and the customer representative said that she would help me clear the credit items that significantly lowered my XXXX XXXX and give me a refund of all my late fees. She couldnt do it because I was in the process of paying the fees ( which I did to not incur anything else ). Ive been a card holder for a very long time ( XXXX ) and have worked hard to build up my credit. Ive also paid on time for the last XXXX  years. The membership fee was only {$24.00}. Why wouldnt I pay for it if I had notification and which Ive done since XXXX. The second customer representative said I need to reset my email to get proper notification. I explained to her that I got an email when I paid for the fees, so that is a Capital One issue and an FTC issue if this is a systematic way of getting people to pay for late fees. She also said there was nothing she could do about the credit dispute and could only refund me for XXXX of the late fees. Although there was no foul language or insults, she kept reading from a script and would not help me in any meaningful way. Her actions led me to cancel the account. She also told me that she had no supervisor for me to talk to. Im asking you to do the right thing and clear these disputed charges with the credit agencies as I never received any notice of the membership fees and the XXXX late penalties. I also urge you to fix the systems glitch that never notifies customers when they have a payment due. Telling me to check on my app when I have been set up for email paperless notifications is a major potential for abuse. Your representatives customer service caused me to cancel the policy on the spot. 

Full Name : XXXX XXXX Capital One Account number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXXXXXX XXXX XXXX XXXX XXXX ( {$3000.00} ), XXXX ( {$0.00} ), XXXX XXXX  ( {$500.00} ), XXXXXXXX XXXX XXXX XXXX XXXX ( {$6400.00} ), XXXX  ( {$720.00} ), XXXX XXXX ( {$0.00} ), XXXX XXXX ( {$800.00} ), XXXX XXXX XXXX ( {$0.00} ), XXXX XXXX XXXX ( {$7100.00} ), XXXX XXXX ( {$10000.00} ). Inquiries : XXXX XX/XX/year>. The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-10-01 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:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXXXXXX XXXX XXXX XXXX XXXX ( {$3000.00} ), XXXX ( {$0.00} ), XXXX XXXX  ( {$500.00} ), XXXXXXXX XXXX XXXX XXXX XXXX ( {$6400.00} ), XXXX  ( {$720.00} ), XXXX XXXX ( {$0.00} ), XXXX XXXX ( {$800.00} ), XXXX XXXX XXXX ( {$0.00} ), XXXX XXXX XXXX ( {$7100.00} ), XXXX XXXX ( {$10000.00} ). Inquiries : XXXX XX/XX/year>. The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My cashapp my XXXX and XXXX account were hacked and it's being used by an XXXX  XXXX  My cashapp my XXXX and XXXX account were hacked and it's being used by an XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-01 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: CA

Complaint narrative:
I WAS NEVER LATE ON THESE ACCOUNTS I HAVE A PROOF FROM BANKS PROVING MY POINT. ALL THIS SITUATION HAPPENED BECAUSE OF MY BANK ACCOUNT NOT PERFORMING HOW IT SHOULD HAVE. ALL THE COMPANIES INVOLVED IN THIS CASE ARE NOTIFIED ABOUT EVERYTHING AND I HOPE YOU GUYS WILL HELP ME SOLVE IT OUT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: CT

Complaint narrative:
I am writing to advise that I am a victim XXXX XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1900.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$890.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00}

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 2025-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
The amount was paid and I requested a letter in wring about this being removed to which they never provided.

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