vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: TN

Complaint narrative:
I am disputing a fraudulent auto loan account that was opened in my name on XX/XX/year>, by XXXX XXXX and submitted to XXXX XXXX XXXX XXXX ( XXXX ) without my knowledge or consent. The loan contract contains a forged signature and was not authorized by me. 

My signature was forged twice by this dealership and I upload proof. 

I submitted a full identity theft report to the FTC and filed a police report with the XXXX Police Department. XXXX has already received all supporting documentation, including the forged contract, my FTC report, the police report number, proof of identity, and evidence showing the forgery. 

XXXX suggested resolving the matter through a buyback with the dealership. I declined this offer, as I no longer trust the dealership after discovering that my signature was forged. I am not liable for this account and I never agreed to this transaction. 

This CFPB complaint constitutes my formal written dispute and request for a block under FCRA 605B, and I am uploading all required documentation directly to Experian through this process. Under the law, Experian must block all information resulting from identity theft within four business days of receiving this report and supporting materials.

Please immediately remove the fraudulent XXXX account and provide written confirmation that it has been blocked from reporting and will not reappear on my credit file.

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 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: WI

Complaint narrative:
I started a membership with XXXX in XX/XX/XXXX to get aligners for my XXXX. From that day until the day they declared themselves in bankruptcy, I was paying religiously every month. Their motto was " XXXX XXXX XXXX  '' which it wasn't true. When I got my first pair of XXXX, they never fitted properly. I had to send them back and they gave me a new pair, but their product was never fitting properly on my XXXX. I kept paying every month because at least they were answering my questions. In XXXX, the company declare themselves in bankruptcy and they shut down, and if you google the reason online it says " XXXX faced controversy and ultimately shut down due to a combination of factors, including deceptive business practices, inadequate dental care, and financial instability. The company was criticized for using non-disclosure agreements to silence customers, manipulating online reviews, and hiding information about negative experiences. They also faced legal battles from traditional XXXX  and XXXX  who argued their remote treatment was inadequate " I stopped my payments as soon as they shut down. Why would I pay for a service I am not getting anymore? Are they going to refund my money? No. I called them and basically the answer was " you have to keep paying every month and, in the future, we will see how we can solve that issue '' They took my supposedly " debt '' to collections and it's affecting my credit score. I need help because I feel scammed. This issue is affecting my whole life. Please, Thank you THEY BROKE THE CONTRACT BY DECLARING THEMSELVES IN BANKRUPTCY, BEING NOT ABLE TO FULFILL THE BENEFITS EXPRESSED IN THE CONTRACT BY NOT GIVING ME THE PROMISED WARRANTY. I AM NOT LONGER COMPROMISED TO FULFILL A CONTRACT WHEN THE OTHER PARTY ALREADY FAILED TO COMPLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
the investigation has not fixed the inaccurate information on 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 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
Dear Consumer Protection Team, I am writing to file a formal complaint against Cash App ( Square , Inc. ) regarding what I believe to be a fraudulent transaction that has resulted in the loss of my money. 

On XX/XX/year>, My Cash App was compromised over XXXX payments of totaling {$2500.00} was sent to a XXXX account in a matter of minutes from $ XXXX cash app account. However, the funds have been withdrawn without my authorization. XXXX customer service stated they did not have any pending orders from my account with the disputed amounts. Cash App closed my account without conducting a thorough investigation and denied my claim, all within a 24-hour period. my Cash App was compromised and cash app is not taking responsibility to fix the problem. 

Despite reaching out to Cash App through their in-app support system, I have been given no clear resolution. I believe this situation constitutes a violation of consumer rights and needs investigation. 

I am requesting your assistance in looking into this matter and helping me recover the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I made a withdrawal for {$9900.00}. What i recieved was an envevlope with {$9500.00}. They shorted me {$400.00}. I immediately went back to the bank and handed them the exact enveloeps they gave me and they said they would have to check their cameras after doing a register balance. They made me wait 2.5 months until I called and complained about what the hold up was. They just informed me after I complained that they found no evidence they messed up on their end. But they did short me {$400.00}.

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 2025-07-11 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: TX

Complaint narrative:
XX/XX/XXXXXXXX  I closed on my house and the funds were issued to XXXX XXXX XXXX XXXX XX/XX/XXXX. 

To prevent any negative reporting I made a payment of {$1200.00} on XX/XX/XXXX and the remaining balance {$56000.00} was paid XX/XX/XXXX. 
However on my credit report for XXXX XXXX transunion my account status show 30-59 has pas due. 

I have dispute this three times with the credit bureaus XXXX XXXX XXXX. XXXX XXXX stated they show my account paid /closed. This only appears on experian that way. 

My payment history shows everything on time and the account closed.

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 2025-07-11 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: TX

Complaint narrative:
XX/XX/XXXXXXXX  I closed on my house and the funds were issued to XXXX XXXX XXXX XXXX XX/XX/XXXX. 

To prevent any negative reporting I made a payment of {$1200.00} on XX/XX/XXXX and the remaining balance {$56000.00} was paid XX/XX/XXXX. 
However on my credit report for equifax XXXX XXXX  my account status show XXXX has pas due. 

I have dispute this three times with the credit bureaus XXXX XXXX XXXX. XXXX XXXX stated they show my account paid /closed. This only appears on experian that way. 

My payment history shows everything on time and the account closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: MI

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-11 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: MI

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I am writing to dispute inaccurate and misleading information currently being reported on my credit file. After reviewing my credit report, I found an account that is being reported incorrectly, and I am demanding that it be investigated and corrected or removed immediately. 

The way this account is currently reflected is completely wrong. Whether it's showing late payments that never happened, an open status when the account was closed, or any other inaccurate detail the bottom line is this : the information is not accurate, not current, and not a fair representation of my credit history. I have always paid this account as agreed, and your reporting suggests otherwise, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required by law to ensure that all information on a consumer 's credit file is complete, accurate, and verifiable. Reporting wrong information especially if it damages someones creditworthiness is not just a mistake, its a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details. 

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately. 

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-11 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: NY

Complaint narrative:
This is not a mistaken submissionmy credit report contains inaccurate information that does not reflect the highest level of accuracy required by law. These discrepancies have been an ongoing burden, negatively impacting my life in significant and painful ways. In times like these, resolving such issues would make a meaningful difference to my well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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 2025-07-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On the morning of XX/XX/year> ( at about XXXX XXXX  ), a pending transaction amount of {$26.00} appeared on my XXXX XXXX credit card. The charge was from Experian Credit Report. This charge occurred without my knowledge or consent, and I was unaware that I had signed up for any kind of paid service. I do not recall enrolling in a free trial or authorizing any premium subscription, nor did I enter my credit card information on Experian 's website. 

When I called Experian to investigate, the representative claimed I had signed up for a free trial and was then automatically enrolled in a paid membership. I was never notified of this, nor did I knowingly agree to it. I believe this may have happened when I used Experian 's site to lock my credit file, not realizing that this service was not the same as a legal credit freeze and was bundled into a paid product. It was very sneakily done by Experian, and I believe it is a bad and dishonest business practice.

I asked for a refund and was told the charge is nonrefundable, even though I told them I never knowingly signed up for a premium subscription. In fact, I initially reported suspected fraud to Experian because I thought someone was trying to access my credit report. Even prior to calling Experian, I called XXXX XXXX and disputed the charge because I thought it was attempted identity theft. 

Anyway, I find this practice deceptive and predatory, especially since Experian already had my payment information on file and applied the charge without clear disclosure or consent. 

I want to ensure that a full refund of {$26.00} is processed, that neither I nor XXXX XXXX have to pay it, and that Experian be investigated for misleading billing practices and misuse of stored payment information. 

It is my understanding that others have complained about Experian for similar reasons in the past.

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 2025-07-11 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: IN

Complaint narrative:
Please assist me in launching an investigation regarding these accounts, as they appear to be inaccurately reported on my credit file. In line with USC 1681g, I am requesting their removal within the next 15 days. Enclosed are the necessary documents for your review. I would also like to point out that the information reported by the credit bureaus is conflicting and contains errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-07-11 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

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