vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian I have requested 3 times information from XXXX XXXX XXXX  and the third part debt collector with no response to my request I do not want payment history, I want the information { Complete information I request } do not send me a verified and up dated because it is not what I want, is the information enclosed in PDF. do not state it is not showing on my consumer report because it is in collection in which I also have tried to get this information but no luck it is my right under federal law for this information I intend to start suing all companies that do not give this information up. please respond through the CFPB

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 2025-05-20 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$36000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-05-20 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Im submitting this complaint for repeated violations of the Fair Credit Reporting Act ( FCRA ) specifically Section 611 ( 15 U.S.C. 1681i ). 

On XX/XX/year>, I submitted a dispute regarding inaccurate personal information and an unverifiable collection account and included all required documentation : government-issued ID, utility bill, and detailed dispute explanation. 

Experian failed to provide a proper investigation or response. Instead, they returned template-generated letters requesting the same information that had already been submitted, which they would know if they conducted a proper investigation This is now my third dispute with no resolution, no investigation results, and no validation provided. 

As required by the FCRA, a reinvestigation should be completed within 30 days. The lack of response violates my rights under : 15 U.S.C. 1681i ( Failure to investigate ) 15 U.S.C. 1681n ( Willful noncompliance ) 15 U.S.C. 1681o ( Negligent noncompliance )

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Company Complaint Is Against : Experian Information Solutions What Happened : I submitted a dispute to Experian requesting reinvestigation of several accounts on my credit report under 15 U.S.C. 1681e ( b ). This section of the Fair Credit Reporting Act requires Experian to ensure all reported information is accurate and up to date using reasonable procedures. 
Despite my request, several accounts were verified and updated without correction, even though the following data was clearly inaccurate or unverifiable : Inaccurate open dates and date last active entries Missing or inconsistent balances Misreported statuses ( e.g., charged off with no prior delinquency history ) Lack of supporting documentation validating the information These errors do not meet the " maximum possible accuracy '' requirement under federal law. 
Additionally, Experian appears to be in violation of Metro 2 reporting standards, including incorrect use of status codes, date fields, and consumer data integrity flags that misrepresent the true state of the accounts. These failures directly affect my creditworthiness and violate FCRA requirements for data accuracy. 
I previously submitted a request to investigate and delete multiple accounts and incorrect personal data that do not reflect accurate or verifiable information. 

The following accounts were part of that request and remain inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What I Want : Immediate deletion of all accounts that are not being reported with maximum possible accuracy, as required by 15 U.S.C. 1681e ( b ), due to Experians noncompliance with federal law and failure to follow Metro 2 reporting standards. 


An updated credit report that reflects only accurate, verifiable, and fully compliant account information, supported by proper documentation and consistent with federal reporting requirements. 


Attachments Provided : A copy of the credit report, dispute results, and account list ( Experian Credit Report DisputedXXXX )

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 2025-05-20 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:
As a loan servicer, XXXX is responsible for ensuring they have the correct contact details for their borrowers. If they had outdated information, they should have made proactive attempts to update it especially before marking accounts delinquent and reporting to credit bureaus. Servicers must notify borrowers before making significant changes to their accounts, such as transitioning out of forbearance. This is not just a best practice-it is an obligation under consumer protection laws that require lenders to act in good faith and provide borrowers with a fair opportunity to respond before taking negative credit actions! - When I requested a retroactive forbearance, which would have corrected the issue, XXXX refused, placing the full burden on me to check my account. However, borrowers should not have to constantly monitor their loans this RIGHT HERE service negligence we shouldve been notified in a timely manner which wasnt done, This refusal to correct their mistake is unfair and further harms borrowers who had no way of knowing my personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt. In a court of law that is a breach of privacy my personal and financial information Upon reviewing my records, I have identified discrepancies/misuse of my educational information, I am requesting removal and deletion of any and all student loans from my report if this matter is not resolved, I am prepared to escalate my complaint to the U.S.Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After pulling my credit report, I noticed some serious mistakes with my personal informationspecifically, an incorrect address and missing employment details. My legal name is XXXX XXXX XXXX, and I want to ensure that only this name is reflected on my report. Ive lived at XXXX XXXX XXXX, XXXX, XXXX, NJ XXXX for the past 33 years, but I found an unrelated address listed : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, which I have no connection to and have never lived at. I am a victim of identity theft, and I believe these inaccuracies may be linked to someone who attempted to use my information to open an account without my permission. Also, my current employer, XXXX XXXX XXXX XXXXXXXX, is missing and needs to be added. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), credit bureaus must ensure the maximum possible accuracy of all information reported. Listing a wrong address, failing to reflect my employer, or misreporting my legal name violates that obligation and affects my credit profile. Im requesting that this inaccurate address be deleted, my employment be updated, and my legal name be accurately maintained.

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 2025-05-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-20 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: CT

Complaint narrative:
My credit is very important to me, and I am genuinely concerned about the inaccurate information showing on my credit report. These errors are affecting my ability to get approved for new credit and have become a serious source of stress.

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 2025-05-20 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Couch Lambert LLC
State: OK

Complaint narrative:
I am writing to formally request validation of the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full written verification of this debt before any further collection actions are taken. I ask that you provide detailed documentation confirming the amount, the legal obligation to pay, and proof that your agency is authorized to collect on behalf of the original creditor. 

Additionally, I have received a judgment letter pertaining to this matter. However, I have noticed that this judgment is not reflected on my credit report. I request clarification regarding this inconsistency and how it relates to the debt you are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MD

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One closed my secured credit card account without notifying me, despite the fact that no payments were missed. 

I had two returned early payments, but my actual due date had not yet arrived, and I corrected the payment issue promptly. Despite this, Capital One closed my account without warning or communication. I only found out when I logged in and saw the account was closed. They refunded my deposit and I paid the small remaining balance immediately, but I received no explanation or documentation. I never received an email, letter, or phone call stating that my account was being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
am writing to formally demand a refund of interest that was improperly charged or withheld in connection with deposits I made into my Bank of America account ( s ) during the XXXX calendar year. 

According to my records, interest was either erroneously assessed as a charge or not properly credited to my account ( s ), despite qualifying deposits that should have accrued interest per the terms of the account agreement and applicable federal law.

This demand is made pursuant to : Truth in Savings Act ( 12 U.S.C. 4301 et seq. ), which requires clear disclosure of how interest is calculated and credited ; Regulation DD ( 12 CFR Part 1030 ), which mandates that banks must accurately disclose and apply interest accruals and not engage in deceptive or unfair practices ; Restatement ( Second ) of Contracts 205 imposing a duty of good faith and fair dealing in performance of contractual obligations ; Burten v. Milton Bradley Co., 763 F.2d 461 ( 1st Cir. 1985 ) recognizing that parties may be liable for breach of contract based on unreasonable conduct even without a specific term being breached ; TILA principles ( Truth in Lending Act ), to the extent that any interest charged could be construed as part of an improper or unauthorized credit extension or fee structure.

Unless this error is corrected, Bank of America may be liable for violating the Truth in Savings Act, and possibly the Unfair and Deceptive Acts or Practices ( UDAP ) provisions enforced by the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

Demand I hereby request : 1. A complete accounting of all interest transactions related to my deposit accounts in XXXX ; 2. A full refund of all interest improperly charged or wrongfully withheld ; 3. Written confirmation that corrective actions have been taken to ensure future compliance.

If I do not receive a satisfactory response within 15 business days, I will file complaints with the CFPB, Office of the Comptroller of the Currency ( OCC ), and Pennsylvania Attorney Generals Office, and I will consider pursuing legal action for breach of contract and violation of federal banking 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