vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Block, Inc.
State: NC

Complaint narrative:
This is the XXXX time I tried to cash a check on cash app and it's not worked so at this point I don't think they will actually cash any check from my experiences this last check was from a financial institution XXXX XXXX  I tried to cash on XX/XX/XXXX, XXXX the issue I have now that was my initial issue they had me write cash app deposit below my name and after that the declined to cash my check and the customer service best response was to try another bank but once i explained the issue that the check now has cash app deposit under my name and that make it invalid for another bank to accept then his next response was contact the person that wrote the check to get another check

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: VA

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to this matter.

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 2025-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery will call multiple times a day, multiple different numbers and people. All sorts of times a day somethings XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: IL

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 2025-11-28 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: FL

Complaint narrative:
This record misrepresents my financial behavior due to inaccurate information. Please make the necessary adjustments to ensure my account is correct.

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 2025-11-28 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: TN

Complaint narrative:
I am submitting this complaint regarding the failure of the credit bureausparticularly Equifax ( and any others showing these inquiries ) to remove multiple unauthorized or erroneous credit inquiries made by XXXX XXXX despite XXXX XXXX written confirmation that these inquiries should be deleted. 

On XX/XX/year>, I contacted XXXX XXXX  for a VA loan prequalification. During this process, XXXX XXXX  pulled my credit multiple times due to an issue obtaining an Equifax score. XXXXXXXX XXXX  later acknowledged that several of these inquiries were the result of file variation errors and not legitimate hard pulls needed for my application. 

XXXXXXXX XXXX has confirmed to me verbally and in writing that * * XXXX of the inquiries should be removed * *. They also stated that they have instructed their credit vendor to request deletion from the credit bureaus and that the deletion should occur within 30 days. 

# # # * * Creditors Written Confirmation XXXX XXXX  XXXXXXXX XXXX provided a formal written response to my initial CFPB complaint dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX  signed by XXXX XXXX XXXX, Director of Customer Complaint Management. Their letter ( excerpted below ) confirms their agreement to delete the inquiries : > We understand your concerns and are working with our credit vendor to remove XXXX of these inquiries from your credit report given the error messages we received when pulling your credit. Please allow up to XXXX for the inquiries to be removed from your credit report. 

XXXXXXXX XXXX  has also sent multiple inquiry-deletion letters to the credit bureaus on my behalf. 

# # # * * Current Issue * * Despite : 1. XXXXXXXX XXXX confirmation that XXXX inquiries are erroneous, 2. Multiple deletion letters sent by XXXXXXXX XXXX to the credit bureaus, and 3. The creditors official written statement to the CFPB agreeing these inquiries should be removed, * * the credit bureaus have refused or failed to remove the inquiries. * * These inquiries continue to appear on my credit report and are negatively affecting my credit profile. The credit bureaus have not provided any explanation for their refusal to correct this verified, creditor-acknowledged inaccuracy.

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 2025-11-28 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: TN

Complaint narrative:
I am submitting this complaint regarding the failure of the credit bureausparticularly Equifax ( and any others showing these inquiries ) to remove multiple unauthorized or erroneous credit inquiries made by XXXX XXXX despite XXXX XXXX written confirmation that these inquiries should be deleted. 

On XX/XX/year>, I contacted XXXX XXXX  for a VA loan prequalification. During this process, XXXX XXXX  pulled my credit multiple times due to an issue obtaining an Equifax score. XXXXXXXX XXXX  later acknowledged that several of these inquiries were the result of file variation errors and not legitimate hard pulls needed for my application. 

XXXXXXXX XXXX has confirmed to me verbally and in writing that * * XXXX of the inquiries should be removed * *. They also stated that they have instructed their credit vendor to request deletion from the credit bureaus and that the deletion should occur within 30 days. 

# # # * * Creditors Written Confirmation XXXX XXXX  XXXXXXXX XXXX provided a formal written response to my initial CFPB complaint dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX  signed by XXXX XXXX XXXX, Director of Customer Complaint Management. Their letter ( excerpted below ) confirms their agreement to delete the inquiries : > We understand your concerns and are working with our credit vendor to remove XXXX of these inquiries from your credit report given the error messages we received when pulling your credit. Please allow up to XXXX for the inquiries to be removed from your credit report. 

XXXXXXXX XXXX  has also sent multiple inquiry-deletion letters to the credit bureaus on my behalf. 

# # # * * Current Issue * * Despite : 1. XXXXXXXX XXXX confirmation that XXXX inquiries are erroneous, 2. Multiple deletion letters sent by XXXXXXXX XXXX to the credit bureaus, and 3. The creditors official written statement to the CFPB agreeing these inquiries should be removed, * * the credit bureaus have refused or failed to remove the inquiries. * * These inquiries continue to appear on my credit report and are negatively affecting my credit profile. The credit bureaus have not provided any explanation for their refusal to correct this verified, creditor-acknowledged inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: MD

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 ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TN

Complaint narrative:
The absence of verifiable evidence supporting the accuracy of this account, coupled with the reporting of unverified information, constitutes a violation of 15 U.S.C. 1681i ( 7 ). This failure to comply with legal requirements is both concerning and frustrating, given the importance of ensuring accurate and fair reporting. 

I hereby request the immediate removal of this account unless verifiable documentation is provided to substantiate its validity. Delays in resolving this matter exacerbate the impact of noncompliance with regulatory and legal standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-28 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Fraudulent account was set up online with Capital One on XXXX using my stolen ID and monies in the amount of {$45000.00} were accessed and transferred into said account from my retirement funds with XXXX XXXX Never have instituted financial transactions online with either entity and would have any knowledge of it except my retirement company mailed me a letter ( received XXXX ) asking me to verify a change in my email ( which I never used with them ever ). Verified with Capital One that there was an account in my name and on my orders, they closed it on XXXX, but would not give me the account number, which I finally obtained from my retirement company 's agent on XXXX. The agent also informed me the company had requested a reversal of the transfer, but nobody seems to know where the money is/was. I requested a statement from Capital One but none received to date ( XXXX ). Meanwhile, I did all the recommended steps of freezing credit, notifying financial institutions for fraud alert and reporting to the police. Due to government shutdown, was unable to contact the FTC, etc. until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
I noticed a past due account from a XXXX XXXX credit card on my credit report a while back, that showed the account was opened in XX/XX/year>. I have never opened a XXXX XXXX credit card, so I contacted XXXX XXXX about it and was told they would investigate it. XXXX XXXX never responded or provided me with any information about the account, or any proof that the account belongs to me. The account has since been sold to XXXX XXXX who I filed a complaint with recently and was closed in my favor. I want this account removed from my credit report because it does not belong to me, and I believe it was opened fraudulently. The account shows up only as account # XXXX and shows it was opened on XX/XX/year>.

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 2025-11-28 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-28 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


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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 2025-11-28 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief