vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
THIS ENTITY IS PRACTICING BAD BUSINESS PRACTICES AND BEHAVIOR ISSUES. PRICE GOUGING CONSUMERS. 

I ASK FOR AN IMMEDIATE CEASE AND DESIST ON ACCOUNT # XXXX UNTIL THIS MATTER IS INVESTIGATED. 

Violation of My Consumer Rights!!! This is Not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

15 USC 1692 ( g ) 15 USC 6801 ( n ) 15 USC 6803 16 CFR 433.2 18 USC 911 15 USC 1662 28 USC 3002-3 28 USC 3002-4 28 USC 3002-10

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 2025-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: SC

Complaint narrative:
In XXXX I opened me a Square account to run my business XXXX XXXXXXXX XXXX, XXXX which is a XXXX XXXX. We launched the following month on XX/XX/XXXX, which we accumulated a lot of sales as we had launched at a local festival. The following Day which was XX/XX/XXXX, we also did good with sales, but when it was time to transfer our funds to our bank account from XXXX they informed us about our account being deactivated and our funds cant be transferred with no other information to why theyre holding our funds and why our account is being deactivated. After calling 100 times trying to get a clear reason they send me an email saying my funds will be held for 90 days and will be release then, which is XX/XX/. Ive contacted customer service again asking to speak with management and was told there isnt anyone I can speak too or there isnt any information they can provide me regarding the issue. This is their second time doing this, with my other account funds being hold for 3 years and still to this day, my funds still havent been released. Ive done went above and beyond trying to get this company to give me a Legitimate Reason to why my account is deactivated and why my funds are being held and they are giving me Nothing but their terms that reads they can deactivate an account at anytime nothing more. Nothing saying I violated their terms or policy, nothing but bad customer service and no clear understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I am filing this complaint to formally report violations of my rights under federal consumer financial protection laws by my student loan servicer. Due to these violations, I am requesting that my student loans be updated to reflect a " Paid in Full '' status.

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 2025-06-03 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: TX

Complaint narrative:
I am filing this complaint to formally report violations of my rights under federal consumer financial protection laws by my student loan servicer. Due to these violations, I am requesting that my student loans be updated to reflect a " Paid in Full '' status.

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 2025-06-03 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: TX

Complaint narrative:
I am filing this complaint to formally report violations of my rights under federal consumer financial protection laws by my student loan servicer. Due to these violations, I am requesting that my student loans be updated to reflect a " Paid in Full '' status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
Experian Equifax Transunion All three of these bureaus have late payments on my credit when they have all been resolved for the XXXX XXXX  and XXXXXXXX XXXX XXXX 

One account is closed but was resolved in the day it was closed so the information is not accurate. 

It shows 60-90 days late and thats not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Experian Equifax Transunion All three of these bureaus have late payments on my credit when they have all been resolved for the XXXX XXXX  and XXXXXXXX XXXX XXXX 

One account is closed but was resolved in the day it was closed so the information is not accurate. 

It shows 60-90 days late and thats not true.

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 2025-06-03 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
I am filing a formal complaint against Equifax for its continued and improper reporting of an inaccurate collection account allegedly originating from XXXX XXXX in the amount of {$2300.00}, reportedly placed with XXXX XXXX XXXX. 

I have recently received new written correspondence directly from XXXX XXXX XXXX, XXXX, stating that they have no record of any collection account under my name connected to XXXX XXXX, and that they are not handling any such debt on my behalf. They have also confirmed they will request the credit bureaus to remove this account from their records. 

Despite this clear and official documentation, Equifax continues to report this erroneous account on my credit file. This is now causing ongoing damage to my credit profile and financial reputation. 

As part of this complaint, I have included the most recent correspondence from XXXX XXXX XXXX verifying that the account is not valid and should not be associated with me in any way. The continued reporting of this account by Equifax is unjustified and appears to be in direct violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to open an account and they said that I had opened an account with them already and I have not. 
I informed them that I had never done any kind of business with them and that if there was an account opened with them that it was not me at all they denied me on opening up an account with them and told me that what ever had been done was not allowing me to open an account so i told them that this was a fraud case and that it needed to be reported to the cfpb and they still denied me on opening up and account with chase bank .I then tried to open an account with XXXX XXXX  and the same thing was told to me there i have filed a police report in the past because my identity was stolen and someone opened things up in my name but I had no idea that whoever it was did this as well. 
the accounts that were opened in my name where not me they were resulting in identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: HI

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent and inaccurate collection accounts currently listed on my credit report : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XXXX XXXX XXXX I have no knowledge of the origin of these debts, nor have I ever authorized or initiated any credit activity related to them. I have previously reported this matter as fraud and identity theft, and I have reason to believe that my ex-spouse may have unlawfully obtained credit in my name without my knowledge or consent. 

This fraudulent activity contributed significantly to the breakdown of our marriage and continues to negatively impact my life. Despite my repeated notifications to previous collection agencies and relevant authorities, these alleged debts are continuously sold or transferred to new entitieseach restarting the collection process. 

As a XXXX XXXX military veteran, I find these repeated attempts to collect a known fraudulent debt to be deeply harmful, both emotionally and financially. I have never conducted business with any of the aforementioned companies or their affiliates, and they have failed to provide valid proof of any legitimate obligationbecause no such obligation exists.

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 2025-06-03 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:
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 non-monetary relief
Consumer complaint received 2025-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, A hard inquiry was on my credit report by Capital One one on XX/XX/year> that I did not apply for. I do not do business with that company. I contacted the company directly and they told me to put a freeze, fraud alert with all XXXX  XXXX  credit beaus which I did today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: WI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
No access to spending moneys, payment and available credits amounts, as of today XX/XX/XXXX as same day pay complainted of done too early in the morning for errors to occur. I given them my full credit card payment on time since XXXX XXXX until XX/XX/XXXX, today, and XXXX XXXX, XXXX should not matter for their same day pay rules for today XX/XX/XXXX, contacted about by me via telephone to Capital One Credit card around apprx. XXXX XXXX and then again at XXXXXXXX XXXX. I am experiencing harasses more. I want reliefs of hundreds of thousands of dollars for no reliefs on the matter to use my money today, again. I feel things I have to do with the credit card account was held up harrasses and promising me late fees in the future deducting transactions abd bothering my living activities, and causing emotional aggravating personal stresses. I want protection with CFPB Consumer Finance Protection Bureau on my rights given by Capital One Credit card policy. No more aggravating times, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2025, I was notified of changes in my credit score through XXXX and XXXX. I noticed XXXX new hard inquiries on my XXXX  credit report : XXXX XXXX XXXXXXXX and Capital One, which I had not applied for. I then opened an XXXX  account, where I froze my credit and promptly enrolled in their premium protection plan to monitor all three credit bureaus and lock my credit. That same day, I was notified of a new hard inquiry on my XXXX  credit report from XXXX XXXX  ( XXXX ). I froze my credit on XXXX  and XXXX. I slowly began calling each inquirer to find out that the fraudster was attempting to open credit card accounts using my Social Security number. I also discovered the number and address that the fraudster was using. I am in the process of disputing each credit inquiry and false information with each inquirer and affected credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year> an inquiry was made into my credit report by credit bureau TransUnion on behalf of creditor XXXX XXXX 

I do not recognize this inquiry.

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