vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me XXXX  because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: TX

Complaint narrative:
On my XX/XX/year> Experian report, multiple items are inaccurate or unverifiable. Personal identifiers list wrong name variants ( XXXX XXXX, XXXX XXXX XXXX ) and obsolete addresses, contrary to FCRA XXXX07 ( b ) maximum possible accuracy. Several tradelines lack or conflict on key data : XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXXXXXX ) lack adequate validation ; XXXX XXXX XXXX omits the original creditor ; XXXX XXXX XXXX is unclear on the source; and XXXX  XXXX shows status conflicts ( charged-off vs open ) and needs accurate DOFD reporting under 623 ( a ) ( 5 ). I requested a human-led re-investigation and Method of Verification per 611 ( a ) and 611 ( a ) ( 7 ) ( records reviewed, furnisher name/address, XXXX  XXXX, XXXX XXXX fields ) and source disclosure under 609 ( a ) ( 1 ). The company issued only an interim still working response ( XX/XX/year> ). I seek corrections or deletion of any item not verifiable to the required accuracy, removal of incorrect identifiers, and an updated report.My XX/XX/year> Experian file has errors : wrong name variants/obsolete addresses ( 607 ( b ) ) ; collections lacking validation ( XXXX XXXX XXXX  ), missing original creditor ( XXXX XXXX XXXX XXXX, unclear source ( XXXX ), and XXXX  XXXX status/DOFD issues ( 623 ( a ) ( 5 ) ). I requested a human-led reinvestigation, MoV ( 611 ( a ), ( a ) ( 7 ) ), and source details ( 609 ( a ) ( 1 ) ). Only an interim reply ( XX/XX/year> ). Please correct or delete and update my report. 

XX/XX/year> Experian report has errors : wrong name/address ( 607 ( b ) ) ; unverifiable collections; missing original creditor ; XXXX XXXX status/DOFD issues ( 623 ( a ) ( 5 ) ). I requested human re-investigation + MoV ( 611 ( a ), ( a ) ( 7 ) ) and source ( 609 ( a ) ( 1 ) ). Only interim reply. Fix or delete.

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 2025-10-19 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: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has caused emotional and mental strain, disrupting my rest. I have provided the required evidence and request its immediate removal.

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 2025-10-20 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: OH

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: CT

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 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 2025-10-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
My name is XXXX XXXX. I deposited my federal tax refund check into my TD Bank account ( ending in XXXX ) on XX/XX/year> The check was issued by XXXX XXXX XXXX XXXX XXXX ( XXXX ) for {$320000.00}. Was available in TD Bank on XX/XX/year>. 

Shortly after the deposit, TD Bank froze my account on XXXX XXXX pending verification of the checks authenticity. I contacted XXXX directly, and they confirmed in writing that : The check was legitimate. 

It was successfully cashed on XXXX XXXX The funds were sent to and are now held by TD Bank. 

XXXX no longer has possession of the funds and advised me to work with TD Bank to retrieve them. 
Despite providing this verification to TD Banks fraud department, my account remains frozen and I have not received access to my funds. 

I can provide copies of the XXXX confirmation email and my TD Bank deposit record as supporting evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I opened an account with Capital one for a CD ( 2 ) of them. One in amount of XXXX and the other one in the amount of XXXX. 

I complained about there TERRIBLE Cusotomer service provided by there XXXX collegues of doing NOTHING, so they decided to close my account I requested a statement for this for the end of the month, they refused to provide a timely one so that I could transfer my funds to a new BANK Many phone calls all they said they would send a statement They closed my account without providing a statement XXXX the end of the month and they failed to return the funds back to the bank They want to send a check, however my banks do NOT TAKE checks if the depositers are not present Please see that my funds are returned back to the same method they where deposited as well as all the interest up to date when they do the transfer Account number is XXXX and XXXX I AM NOT IN USA SO STHEY CANT SEND ME A CHECK

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TN

Complaint narrative:
I have a Cash App account and when I first got it I was given a physical card and a virtual card and I used them up until I tried to make some payments and purchases but they were declined and then a short time later I didnt have a card number anymore and the virtual card was no longer in my wallet. Right now all I am able to do is send money and receive money, I have tried many times to order another card and I am not able so I reached out to the company and they told me that they cant tell me the reason why and that I cant get a card. I dont know of anything that I have done that would affect the use of my card and I think I have the right to know why my card was targeted to be taken so that if there is a case of fraudulent activity and I am not responsible then I should have the right to defend this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
On XX/XX/year> my paycheck was garnished at 25 % well above the 10 % limit set by prop XXXX On XX/XX/year> my paycheck was garnished at 25 %. 

I contacted my HR and payroll department and my wages are currently being garnished within legal limits. In the writ of garnishment that was served on my employer/garnishee it clearly stated to garnish 25 %. This collection attorneys should know the legal limit on garnishments as they do this on a daily basis

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was lured to open a second account. Everyday checking. My car loan was tooken out in Missouri. My dream home and vacation was tooken out along with {$250000.00} insured from the fdic bank from my money network card. And a small business too I was the only worker that wasn't hired by the company. And was hired as a temporary worker on the horizon. 



SINCERELY YOUR SET FOR LIFE WINNER XXXX XXXXXXXX

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 2025-10-19 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: PA

Complaint narrative:
My credit report contains multiple inaccurate and unverifiable accounts that remain despite prior disputes. These include charge-offs, late payments, and collection accounts that can not be verified for accuracy under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ). 

I requested verification and documentation from the credit bureau and furnishers, but no proof of accuracy or ownership has been provided. The disputed accounts include XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Several unauthorized hard inquiries also appear on my report without a permissible purpose under FCRA 604 ( a ).

I am requesting that the credit bureau conduct a full reinvestigation and delete any unverifiable, inaccurate, or outdated information within the 30-day period required by law. 

This inaccurate reporting has caused harm to my creditworthiness and has prevented fair access to credit. Im seeking CFPB assistance to ensure the bureau complies with FCRA requirements and provides written confirmation of all corrections made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Complaint Under the Fair Credit Reporting Act ( FCRA 611 ( b ) & 623 ( b ) ) Failure to Correct Inaccurate Reporting Creditor/Furnisher : Comenity Bank / Express Account Number : XXXX Mailing Address : Comenity Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Dear CFPB Representative, I am filing this complaint against Comenity Bank XXXX Express for continuing to report inaccurate and misleading information to the credit bureaus despite multiple written disputes and supporting documentation proving the inaccuracy. 

The account listed above was XXXX late payments. Paid and closed as of XX/XX/year>. However, the company continues to report false information, including late payments and/or charge-off status.

I submitted a written dispute under FCRA 623 ( a ) ( 8 ), providing payment proof and account statements. The company responded with a denial letter claiming the data was verified as accurate, yet failed to produce evidence supporting the delinquencies.

This is a violation of : - FCRA 623 ( b ) : Failure to conduct a reasonable investigation after receiving notice of dispute. 
- FCRA 611 ( b ) : Failure to ensure that inaccurate or unverifiable data is corrected or deleted.

I request that the Consumer Financial Protection Bureau require the furnisher to delete the entire tradeline under FCRA 611 ( a ) ( 5 ) ( A ) as the information can not be verified.

Attachments : 1. My original dispute letter 2. The companys denial response 3. Proof of payment or account closure 4. Credit report screenshot showing inaccurate reporting 5. Photo ID and proof of address Respectfully, __________________________ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-19 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: AZ

Complaint narrative:
On XX/XX/year> my paycheck was garnished at 25 % well above the 10 % limit set by prop XXXX On XX/XX/year> my paycheck was garnished at 25 %. 

I contacted my HR and payroll department and my wages are currently being garnished within legal limits. In the writ of garnishment that was served on my employer/garnishee it clearly stated to garnish 25 %. This collection attorneys should know the legal limit on garnishments as they do this on a daily basis

Company response to consumer: Closed with explanation