vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX Report Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Reference XXXX XXXX XXXXXXXX To Whom It May Concern, I am submitting this formal dispute regarding inaccurate and inconsistent information furnished by GM Financial on my credit reports with XXXX XXXX and XXXX 

Basis of Dispute : Upon reviewing my credit report dated XX/XX/XXXX, from XXXX, I identified serious inconsistencies in how GM Financial has reported my account. These discrepancies include : Different account statuses across bureaus ( e.g., one bureau reporting " closed '' while others report " open '' or " past due '' ).

Inconsistent payment histories and balances, which vary from bureau to bureau, demonstrating a lack of uniformity and accuracy in reporting.

Late payments reported without proper notice, in violation of 15 U.S. Code 1681i and 1681s-2 ( a ), as I was never provided billing prior to derogatory marks being placed.

No notation of dispute on previous challenges made to this reporting, as required under 15 U.S.C. 1681i ( c ).

Legal Violations : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i Failure to properly investigate prior disputes.

15 U.S.C. 1681s-2 ( a ) Furnishing data known to be inaccurate.

FDCPA 15 U.S.C. 1692e ( 8 ) Communicating false credit information, including failing to communicate a dispute to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries 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, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-05-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX, FL XXXX XX/XX/XXXX Transunion consumer solutions XXXX XXXX XXXX XXXX, pa XXXX Identity Theft Affidavit and XXXX for XXXX XXXX XXXX XXXX XXXX under XXXX U.S.C. XXXX ( FCRA XXXX ) Dear transunion consumer solutions I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to XXXX U.S.C. XXXX ( FCRA XXXX ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : XXXX copy of my credit report XXXX. Copy of my FTC report XXXX XXXX copy of identification I am requesting that you delete and remove the fraudulent account and any associated negative information as mandated by law. The account in question is : XXXX WC / XXXX  Unauthorized fraudulent inquiries XXXX XXXX/XXXX  XXXX XXXX  Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-05-23 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: LA

Complaint narrative:
Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX Report Date : XX/XX/XXXXXXXX XXXX XXXX  ) Reference XXXX XXXX XXXXXXXX To Whom It May Concern, I am submitting this formal dispute regarding inaccurate and inconsistent information furnished by XXXX XXXX on my credit reports with TransUnion, XXXX XXXX XXXX 

Basis of Dispute : Upon reviewing my credit report dated XX/XX/XXXX, from XXXX, I identified serious inconsistencies in how XXXX XXXX has reported my account. These discrepancies include : Different account statuses across bureaus ( e.g., one bureau reporting " closed '' while others report " open '' or " past due '' ).

Inconsistent payment histories and balances, which vary from bureau to bureau, demonstrating a lack of uniformity and accuracy in reporting.

Late payments reported without proper notice, in violation of 15 U.S. Code 1681i and 1681s-2 ( a ), as I was never provided billing prior to derogatory marks being placed.

No notation of dispute on previous challenges made to this reporting, as required under 15 U.S.C. 1681i ( c ).

Legal Violations : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i Failure to properly investigate prior disputes.

15 U.S.C. 1681s-2 ( a ) Furnishing data known to be inaccurate.

FDCPA 15 U.S.C. 1692e ( 8 ) Communicating false credit information, including failing to communicate a dispute to the credit bureaus.

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 2025-05-23 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: LA

Complaint narrative:
Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX Report Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Reference XXXX XXXX XXXXXXXX To Whom It May Concern, I am submitting this formal dispute regarding inaccurate and inconsistent information furnished by XXXX XXXX on my credit reports with XXXX XXXX and Equifax. 

Basis of Dispute : Upon reviewing my credit report dated XX/XX/XXXX, from XXXX, I identified serious inconsistencies in how XXXX XXXX has reported my account. These discrepancies include : Different account statuses across bureaus ( e.g., one bureau reporting " closed '' while others report " open '' or " past due '' ).

Inconsistent payment histories and balances, which vary from bureau to bureau, demonstrating a lack of uniformity and accuracy in reporting.

Late payments reported without proper notice, in violation of 15 U.S. Code 1681i and 1681s-2 ( a ), as I was never provided billing prior to derogatory marks being placed.

No notation of dispute on previous challenges made to this reporting, as required under 15 U.S.C. 1681i ( c ).

Legal Violations : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i Failure to properly investigate prior disputes.

15 U.S.C. 1681s-2 ( a ) Furnishing data known to be inaccurate.

FDCPA 15 U.S.C. 1692e ( 8 ) Communicating false credit information, including failing to communicate a dispute to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: Experian Information Solutions 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 :

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 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am having trouble using my XXXX XXXX to make transactions. XXXX ( Wells Fargo ) is asking me to check my cards available credit. I can confirm indeed I have enough available credit to process the transaction. 

They also asked me to turn off XXXXXXXX  but there is no instructions in the email on how to proceed with turning it off. The option is not available to me on the APP.

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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint against Cash App regarding an unresolved dispute for an unauthorized transaction. On [ insert date ], a charge in the amount of {$48.00} was made from my Cash App account to a merchant identified as XXXX. I have never done business with this merchant, nor did I authorize this transaction. 

I immediately reported the charge to Cash App and initiated a dispute through their system. However, the resolution process has been unreasonably slow, and despite repeated follow-ups, I have not received any substantive updates or a refund. The unauthorized nature of the transaction was clearly explained, yet the company continues to delay resolution. 

Furthermore, I have attempted multiple times to escalate this issue by requesting to speak with a manager or supervisor. Each time, I have been refused or ignored, and no escalation has occurred. This lack of accountability and transparency is extremely frustrating and unacceptable.

I am seeking an immediate resolution of this matter, including a full refund of {$48.00} and an explanation as to why the dispute has taken so long to resolve. I also request that Cash App improve their dispute resolution process and ensure customers can escalate serious concerns when needed.

Desired Resolution : Full refund of {$48.00} Explanation for the delay Escalation and access to proper support channels for future issues Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CBC Companies, Inc.
State: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: Experian Information Solutions Inc.
State: MI

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 :

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 2025-05-23 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: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-05-23 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: AZ

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXXXXXX and XXXX for Improper Dispute Notation and Misleading Comments on Paid Account To Whom It May Concern, I am filing this complaint regarding the continued misreporting of aXX/XX/XXXXXXXX credit card account ( ending in XXXX ) by XX/XX/XXXX despite the account being paid on time and reflecting 100 % positive payment history, as verified in the attached documentation. 

Overview of the Issue : Account Type : XXXX XXXX XX/XX/XXXXXXXX ) Balance : {$1300.00} Limit : {$3000.00} High Balance : {$4200.00} Last Payment : XX/XX/year> Status in XX/XX/XXXX: Still marked In Dispute with comment CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Payment History in XX/XX/XXXX: 100 % OK ( no late payments reported ) This dispute flag is inaccurate, misleading, and negatively impacts my creditworthiness by suggesting that there is unresolved conflict or derogatory data when there is none.

Legal Violations : FCRA 15 U.S.C. 1681c-2 & 1681s-2 ( b ) : Failure to update or remove the dispute flag after account verification and payment violates the duty to ensure complete and accurate consumer information.

Continued inclusion of the " in dispute '' comment misrepresents the true status of the account.

TILA 15 U.S.C. 1601 et seq. : XX/XX/XXXXcomments and XX/XX/XXXXXXXX failure to retract the dispute status misrepresent the consumers actual obligations, undermining informed and fair credit decisions.

GLBA 15 U.S.C. 6801 : By failing to maintain the privacy and accuracy of my financial records,XX/XX/XXXXis not upholding standards required to protect the confidentiality and integrity of consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been with Bank of America for 11 years and no matter what has gone down I provided them with plenty of proof. police reports done everything they asked. they will not pay my over {$6000.00} in fraud claims and when I file complaints they retaliated against me by closing my account they will not respond to me. all they told me is that the decision is final and they don't have to provide me a reason. but I need my my claims paid. I've already got a new bank. I'm done with them but like they need to know that they can't do this to people

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 2025-05-23 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
XXXX XXXX reported my account as closed at the creditors request. 
I previously disputed it under the FCRA, but no proof was provided to support derogatory remarks. 
The dispute was marked consumer disagrees, yet no proper documentation was offered.

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