vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I am a single mother of XXXX  and a XXXX XXXX XXXX XXXX XXXX. I recently lost one of my children, and during this devastating time I have continued doing everything I can to keep my finances in order. 

I am disputing a 30 day late payment being reported for XX/XX/XXXX on my XXXX XXXX XXXX. Both TransUnion and Equifax are still reporting this account as 30 days late, even though I made a payment of XXXX dollars on XX/XX/XXXX. This payment is visible in the payment history. 

Under Metro 2 credit reporting standards, a 30 day late payment must not be reported if any payment is made within 30 days of the due date. Since I paid in XXXX, the late mark is not just unfair, it is inaccurate. 

I sent written disputes to both bureaus on XX/XX/XXXX and again on XX/XX/XXXX, including proof of identity, address, and the payment history. I never received documentation from XXXX XXXX showing that the payment was 30 or more days past due. I have also asked for a copy of the payment history, billing records, and due dates used to verify the late mark. NONE have been provided. 

XXXX  has already corrected the record and now shows the XX/XX/XXXX payment as on time. There is no valid reason why TransUnion and Equifax have failed to do the same. 

Violations : 1.FCRA Section 1681e b failure to report with maximum possible accuracy.

2.FCRA Section 1681i a 5 A failure to delete unverifiable information within 30 days.

3.FCRA Section 611 a 7 failure to provide a description of the reinvestigation process.

4.Metro 2 XXXX  incorrect 30 day late coding despite payment during the same month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Re : Ongoing Experian Dispute Refusal to Provide Written Results To Whom It May Concern, I have an active complaint against Experian ( XXXX ) regarding inaccurate reporting and failure to comply with the Fair Credit Reporting Act ( FCRA ). 

Experian continues to refuse to provide me with the written results of my disputes. Each time I file a dispute, Experian responds that I must call them for results instead of issuing proper written communication. This violates my rights under : FCRA 611 ( a ) ( 6 ) requiring written notice of the results of reinvestigation.

FCRA 609 requiring disclosure of my full credit file upon request. 


I am attaching a copy of the certified demand letter I sent to Experian, where I have again formally requested : 1. Written communication only ( no phone calls ).

2. Full written results of all prior disputes.

3. A complete file disclosure as required by law. 


I ask the CFPB to ensure Experian complies with the FCRA by providing me : Written results of all my disputes, and My full file disclosure. 


Experians repeated insistence on phone communication obstructs my legal rights, prevents proper recordkeeping, and appears to be a systemic practice. 

Thank you for your attention and assistance in ensuring compliance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I state that the inaccurate late payment remarks on my accounts are a violation of 15 USC 1666. I have always paid on time, and any discrepancies in this reporting are both unfair and unlawful.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
AMOUNT : {$730.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XX/XX/year> CARD ENDING IN XXXX As soon as I became aware that my card was lost I called immediately to report the unauthorized transaction. 

The company has denied my claim without even providing me documentation that proves that the claim is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NV

Complaint narrative:
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 - {$430.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2025-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as a dispute of a fraudulent account that has been reported under my credit profile. I have no association with this account and did not authorize or approve it in any way. Its reporting is false, and its continued presence is unjustly harming my reputation and financial opportunities.

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 2025-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
I got a mortgage on a property that was at the time my primary residence through XXXX XXXX XXXX. The loan was purchased by Mr. Cooper loans. I have made payments on time, every month, for over XXXX years. My loan documents specifically date PMI is to expire on XX/XX/XXXX. I have made contact several times and finally was told that my property is a duplex and does not fall under XXXX XXXX 's guidelines for PMI removal. My concern is why was this not disclosed to me at the time of purchase, and why can the rules change when a mortgage is purchased? My loan documents specifically state " the cancellation and automatic termination requirements described above do not apply to certain loans that may present a higher risk of default. Your loan, however, does not fall into this category. Accordingly, the cancellation and automatic termination provisions described above apply to your loan. See below for recent timeline of events... 

XX/XX/XXXX Mr Cooper received a letter that I sent on XX/XX/XXXX that included a copy of my loan disclosures. I received a call that this would be investigated and that a manager needs to see it. 

XXXX I called and spoke with someone who said another person is still investigating. 

XXXX I called and they said my PMI will not be removed, regardless of what my loan disclosures say and that my disclosures, that I signed, are a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I disputed a fraudulent/unauthorized charge with DCU bank. The merchant refused to refund me, and I relied on my banks protection. Despite providing evidence and going through the dispute process twice, the bank upheld the denial and closed the case, effectively siding with the merchant. 

This leaves me without protection and sets a dangerous precedent that customers can not rely on their bank to safeguard their money against fraud or scams. I am requesting a fair review of this dispute by the CFPB so that my bank is held accountable and I am refunded.

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 2025-08-19 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 formally disputing a reported late payment that is inaccurate. My records confirm that the payment was made on time. This false entry is misleading, harmful to my credit, and does not reflect my true payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2025-08-19 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: GA

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 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 2025-08-19 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: NJ

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains the following accounts that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of these accountswithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission XXXX FTC ) identifying disputed information, the credit reporting agency must block that information within XXXX ( XXXX ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report these accounts, causing ongoing harm. 

Equifax has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnishers or the agency demonstrates that this legal standard has not been met. 

HARM CAUSED : As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
has violated my rights.

15 USC 1681 Section 602 States I have the right privacy.

15 USC 1681 Section604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

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 2025-08-19 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: IA

Complaint narrative:
What happened : On XX/XX/year>, I sent a legitimate {$8.00} payment through Cash App. The payment included emojis of the XXXX flag, XXXX, and box to represent roses being shipped. This payment was immediately flagged. Shortly afterward, my girlfriend sent me {$350.00} for rent. 

Cash App flagged my account for suspicious activity and placed a hold on the {$350.00}. These are legitimate funds, not fraudulent. Both I and the sender can provide verification of the payments purpose. Despite repeated attempts to contact Cash App support through their app and help center, I have only received automated AI responses stating that the case is escalated. No human support agent has contacted me, and my funds remain inaccessible. 

Why this is a problem : Cash App is withholding essential rent money, causing financial hardship. 

I have received no clear explanation of the review timeline or how to resolve this. 

Cash App is not providing access to a human escalation path despite repeated requests. 

What I want : Immediate review and release of the held {$350.00} payment. 

A clear explanation of why the account was flagged and how to avoid future issues. 

Assurance that Cash App will comply with fair and timely handling of customer funds. 

Attachments I can provide : Screenshots of the transactions Screenshots of my attempts to contact support Proof of senders legitimacy ( from my girlfriend )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: W&A Intermediate Co., LLC
State: CO

Complaint narrative:
I was paying on a debt and sent them about 9 months or more of payments and they are now garnishing my wages. I've called and they will not return phone calls and hang up on me. I've sent my insurance information for the medical bills and nothing no response. They are currently garnishing. XXXXXXXX XXXX XXXX is the name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: OneMain Finance Corporation
State: IN

Complaint narrative:
One Main Financial - {$3000.00} ( given to third party ) Tried settling they refused XXXX XXXX - {$8300.00} ( given to third party ) XXXX XXXX - {$7100.00} ( given to third party ) Tried settling they refused XXXX XXXX - {$1100.00} ( given to third party ) XXXX XXXX XXXX {$1800.00} XXXX XXXX  XXXX {$800.00} XXXX  XXXX XXXX - {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX - {$1600.00} ( given to XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - {$1500.00} ( given to XXXX XXXX ) XXXX XXXX  Reported : XXXX XXXX, XXXX + {$8300.00} Closed XXXX XXXX Reported : XXXX. XXXX, XXXXXXXX XXXX {$7100.00} XXXX ONEMAIN Reported : XXXX. XXXX, XXXX XXXX {$3000.00} XXXX Reported : XXXX XXXX, XXXX XXXX {$1100.00} Closed XXXX Reported : XXXX. XXXX, XXXX XXXX  {$1800.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$800.00} Closed XXXX Reported XXXX XXXX XXXX XXXX XXXX {$1600.00} Closed XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$1600.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1600.00} These companies have sold these accounts to XXXX parties and are still reporting this on my credit under there name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: MARINER FINANCE, LLC
State: IN

Complaint narrative:
XXXXXXXX XXXX XXXX - {$3000.00} ( given to third party ) Tried settling they refused XXXX Bank - {$8300.00} ( given to third party ) XXXX XXXX - {$7100.00} ( given to third party ) Tried settling they refused XXXX XXXX - {$1100.00} ( given to third party ) XXXX XXXX XXXX {$1800.00} XXXX XXXX  XXXX {$800.00} XXXX  XXXX XXXX - {$1600.00} XXXX  XXXX  XXXX {$1600.00} XXXX XXXX XXXX - {$1600.00} ( given to XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - {$1500.00} ( given to XXXX XXXX ) XXXX XXXX  Reported : XXXX XXXX, XXXX + {$8300.00} Closed XXXX XXXX Reported : XXXX. XXXX, XXXX + {$7100.00} XXXX XXXX Reported : XXXX. XXXX, XXXX + {$3000.00} XXXX/XXXX  Reported : XXXX XXXX, XXXX + {$1100.00} Closed XXXX/XXXX  Reported : XXXX. XXXX, XXXX + {$1800.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$800.00} Closed XXXX Reported XXXX XXXX. XXXX, XXXX + {$1600.00} Closed XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$1600.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1600.00} These companies have sold these accounts to XXXX parties and are still reporting this on my credit under there name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Attached are the required documents 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 explanation