vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I am submitting this complaint to formally dispute multiple unauthorized inquiries reporting on my Equifax credit file. Rather than mailing the dispute separately, I am including my dispute letter as an attachment to this complaint so that the CFPB may directly forward it to the credit bureau. 
The unauthorized inquiries are : XXXX XX/XX/year>, XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX 
This approach ensures a verifiable chain of communication and gives me confidence that Equifax will receive my request, acknowledge it, and respond as required under FCRA Section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: GA

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 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC
State: CO

Complaint narrative:
I am filing this complaint against Johnson Mark LLC, who is collecting a debt on behalf of XXXX XXXX XXXX, due to ongoing problems with their payment processing system, misleading representations, and now, removal of my ability to pay despite my full intent and effort to comply. 

I entered into a stipulation agreement with XXXX XXXX XXXX which was accepted by the XXXX XXXX XXXX XXXX XXXX No. XXXX ). The stipulation allows one missed payment per year without default, and requires written notice of any claimed default. 

Since the agreement began : I have never missed a payment intentionally, and all payments were made timely until very recently when their own portal began mislabeling the creditor as XXXX, not XXXX. 

I filed a motion with the court in XX/XX/year> raising these issues, including concern that the creditor XXXX have changed or the payments were misdirected. 

Instead of fixing the issue transparently, Johnson Mark filed an unprofessional and dismissive response denying everything without addressing the root problem. 

Now, their portal has changed again, displaying similar misleading behavior, and more critically they have removed my ability to pay by card, the method Ive been using without issue. I now can not make payment at all without mailing or calling, which is a burden I shouldnt have to endure after fulfilling my part of the stipulation. 

They have not sent me any default notice nor filed any motion indicating I am in breach yet I am being restricted from paying through my agreed and established method. 

I believe this constitutes unfair collection practices, lack of transparency, and possible violation of my stipulation rights, as well as intentional interference to provoke default. 

This has forced me to file another motion in court seeking to stay enforcement and clarify the status of the creditor and payment obligations. The fact that XXXX now barred from paying entirely should raise serious concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Management Incorporated
State: OK

Complaint narrative:
Requested they mail me proof of this debt owed by me, but their response is always that time is running out and that they are preparing to suit me for the debt. They hang up when I ask to be removed, I have blocked every number they have reached me from, but I continue to get calls from other number they continue to create.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I am extremely frustrated to see that unauthorized inquiries are still appearing on my credit report today. I have no idea why they werent removed, even after refreshing my browser. I need the documents I sent to be reviewed immediately so that I dont have to keep dealing with this stressful issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filed a complaint, but they didn't give me any information. They closed the case and didn't give me any information.

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 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OH

Complaint narrative:
My son sent money {$2000.00} to my Cash App on XX/XX/year>. I opted to not pay the fee for instant transfer and choose to wait the XXXX business day period, which means my money should have been transferred to me on XX/XX/XXXX. It is now XX/XX/XXXX and I do not have my money. I have screenshots from chats with Cash App saying they dont know why it hasnt gone through and are escalating to their specialist team, who would email me. I have not received an email from them nor has the money been deposited. My bank said they do not see anything pending from Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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 see that incorrect accounts are still appearing on my credit report, and they have not been deleted. I kindly request that you carefully review the documents Ive provided so this issue can be resolved once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, a scheduled loan payment of {$470.00} was withdrawn from my Wells Fargo checking account under the reference : " PAYMENT REF # XXXX TO INSTALLMENT LOANS XX/XX/XXXX. '' However, this exact same payment of {$470.00} was duplicated and withdrawn a XX/XX/XXXX time, without my authorization or consent. 
As a result, I was charged {$950.00} in total, which has directly impacted my finances. 

I contacted Wells Fargo immediately and spentXX/XX/XXXX on the phone with customer service. Despite clearly explaining the issue and providing documentation ( a screenshot of the duplicate transaction ), no one has taken responsibility or resolved the matter. I was repeatedly transferred and left without answers. 

This level of negligence is unacceptable. I am formally requesting that the CFPB take action and require Wells Fargo to : Acknowledge and reverse the unauthorized duplicate charge of {$470.00} immediately, Provide a written explanation of how this occurred, and Take appropriate internal measures to prevent future incidents like this. 

I need my money returned without further delay. I have attached proof showing the duplicate withdrawal for reference.

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 monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have sent the CRA 's notice of data breach. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my Id, the FTC complaint and a copy of the XXXX report showing my information being exposed in a national data breach and a notice letter of the data breach.

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 2025-08-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
This company is contacting both my personal and job about a debt that I do not owe them. They are calling after XXXX and before XXXX. I have requested a debt validation, including all information regarding this debt, without any response only continuous calls after being asked continuously to stop calling.

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 2025-08-29 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ 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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I CALLED MY CREDIT CARD COMPANY REQUESTING THAT THE REPORT MY CORRECT BALANCE. I DONT OWE ANY MONEY. PLEASE CORRECT ALL CREDIT BUREAUS SO I CAN CLOSE ON MY HOME LOAN. MY BALANCE IS XXXX. I PAD MY BILL IN FULL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: ND

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. 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 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 2025-08-29 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:
This letter serves as a formal dispute of the late payment currently appearing on my account. Verified records confirm that no payment was ever late. This reporting is therefore inaccurate and must be corrected.

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 2025-08-29 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: FL

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit report this morning. Even after refreshing my browser, nothing has changed, and this is deeply upsetting. I need the documents I already submitted to be carefully reviewed and resolved immediately so I can finally stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Activehours
State: WA

Complaint narrative:
Earn in has been charging people fees XXXX saying it tips

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX CA Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX BANK NA - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXXXXXX BANK NA - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX  BANK NA - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXXXXXX IN - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX  XXXX BANK NA - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  XXXX IN - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXXXXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, XXXX and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX, XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, XXXX and hard inquiries are in fact a 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 2025-08-29 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: GA

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 XXXX 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MO

Complaint narrative:
There was charges from good and gather on my account for {$950.00} and {$350.00} and another {$350.00} that I tried to dispute all the way back in XXXX. They did not file my dispute when they filed my other fraudulent charges so trying to get my bank statements and everything lined out in my life. I finally called them back and asked them to file the dispute again now theyre saying Im out all this money, but it was not my fault because they did not file the dispute when they filed the other ones Getting somewhere with talking to someone on the telephone or on a computer is getting ridiculous these days everything seems to be so screwed up wanting to send you somewhere else. Talk to someone else and some people that work. Dont even care to talk to you. Theyre just there to collect their check and go home no help whatsoever. I would really like to have my money back. I mean, at least credit me my money back and find out what went wrong with the fraudulent stuff thank you very much. My name is XXXX XXXX. Im talking about XXXX Bank.

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