vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: NY

Complaint narrative:
I am disputing the accuracy of a charged off auto loan reported by XXXX  XXXX XXXX, account number ( XXXX ). 

Under FCRA s611 ( a ) ,15 U.S.C.s1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes an account. I requested that the creditor and the credit reporting agency provide documentation providing the accuracy of the reported information, including the signed original contract and a full payment history. To date, no such documentation had been provided.

Under FCRA s607 ( b ), 15 U.S.C. s1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in consumer reports. Continuing to report information that can not be verified violates this provision.

Because the account has not been properly verified and contains reporting inconsistencies am requesting that it be deleted from my credit 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 2025-08-11 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: LEXISNEXIS
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: LCI Acquisition Inc.
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Mercury Financial Intermediate LLC
State: GA

Complaint narrative:
On or around XX/XX/2025, I disputed a {$150.00} transaction with MercuryXXXX XXXX XXXX XXXX from XXXXXXXX, XXXX ( Case Number : XXXX ). The charge had posted on or around XX/XX/, for a voucher I was unable to use because I could not reach the company the voucher was issued for. MercuryXXXXXXXX XXXX XXXX XXXX claimed to have conducted an investigation but failed to request any supporting documentation from me. Had they done so, they would have seen that I contacted XXXX XXXX XXXX directly and was offered a creditnot a refundfor the unused voucher. Instead, they relied solely on the merchants unsupported claim that the voucher had been redeemed. This is inaccurate, as the documentation clearly shows that it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit agencies were breached this would be like the 2nd or 3 time my accounts are breached I was also a part of the equifax data breached from a couple of years ago I had to file bankruptcy because of it and now the 3 bureaus were breached again I guess I'll never have a descent credits XXXX XXXX still get emails messages of accounts being g opened emails passwords being g changed etc and these people think I'm the badguy it's ridiculous I don't understand how or why I've had XXXX XXXX  my bank accounts used so.eone filed a tax return without my knowledge and the list goes on and I'm being looked at like the bad person XXXX XXXX XXXX and even my background check said something about me being g a fraud not secure if that's legal or not but I am talking to lawyers about it I've always worked ways been a XXXX of any ave I've worked at and if I've had those jobs if I was fraud won't I ha e done something illegal at those companies smhi try everyday to try and do what I can to I XXXX  my credit card something different pops up I feel like I'm being XXXX  something I think I've lost my mind this XXXX really drives you nuts well not really but I XXXX what to do I have no idea just had my social security card XXXX XXXX for the XXXX XXXX guess I needed to let it out but on a serious note can you ease.look k to this I'm homeless for 3 years now due to all this nonsense sorry for the inconvenience and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: NM

Complaint narrative:
XXXX XXXX Department of Education is inaccurately reporting multiple student loan tradelines to the credit reporting agencies that are harming my credit profile. 
All six accounts listed below are for the same underlying loan obligation, yet XXXX has reported them as separate tradelines, each showing identical false 90/120/180-day late payment history, despite my on-time payments : 1. Account # XXXX Opened XX/XX/XXXX Balance {$4400.00} 2. Account # XXXX Opened XX/XX/XXXX Balance {$3000.00} 3. Account # XXXX Opened XX/XX/XXXX Balance {$5600.00} 4. Account # XXXX Opened XX/XX/XXXX Balance {$8100.00} 5. Account # XXXX Opened XX/XX/XXXX Balance {$2900.00} 6. Account # XXXX Opened XX/XX/XXXX Balance {$10000.00} I have never been late on these loans and can provide payment records to prove this. The duplication of derogatory information is misleading, artificially damaging, and violates my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing information known to be inaccurate.

FCRA 1681i Requires reasonable reinvestigation of disputed information.

FCRA 1681s-2 ( a ) ( 7 ) Requires notice before negative reporting.

FCRA 1681s-2 ( b ) Requires investigation and deletion of inaccurate information after notice. 
In addition, XXXX has sold or shared my personal information without my authorization to other credit reporting agencies or third parties, which further violates my contractual and statutory rights. 
I have already disputed these accounts with Experian, Equifax, and TransUnion and have filed this CFPB complaint to demand a full investigation. 
Requested Resolution : I request that XXXX XXXX Department of Education : XXXX. Delete all six accounts in full from all credit reports with Experian, Equifax, and TransUnion.

2. Provide written confirmation of deletion.

3. Cease reporting any inaccurate or duplicate information.

4. Cease the unauthorized selling or sharing of my personal 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 2025-08-10 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: NM

Complaint narrative:
XXXX XXXX Department of Education is inaccurately reporting multiple student loan tradelines to the credit reporting agencies that are harming my credit profile. 
All six accounts listed below are for the same underlying loan obligation, yet XXXX has reported them as separate tradelines, each showing identical false 90/120/180-day late payment history, despite my on-time payments : 1. Account # XXXX Opened XX/XX/XXXX Balance {$4400.00} 2. Account # XXXX Opened XX/XX/XXXX Balance {$3000.00} 3. Account # XXXX Opened XX/XX/XXXX Balance {$5600.00} 4. Account # XXXX Opened XX/XX/XXXX Balance {$8100.00} 5. Account # XXXX Opened XX/XX/XXXX Balance {$2900.00} 6. Account # XXXX Opened XX/XX/XXXX Balance {$10000.00} I have never been late on these loans and can provide payment records to prove this. The duplication of derogatory information is misleading, artificially damaging, and violates my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing information known to be inaccurate.

FCRA 1681i Requires reasonable reinvestigation of disputed information.

FCRA 1681s-2 ( a ) ( 7 ) Requires notice before negative reporting.

FCRA 1681s-2 ( b ) Requires investigation and deletion of inaccurate information after notice. 
In addition, XXXX has sold or shared my personal information without my authorization to other credit reporting agencies or third parties, which further violates my contractual and statutory rights. 
I have already disputed these accounts with Experian, Equifax, and TransUnion and have filed this CFPB complaint to demand a full investigation. 
Requested Resolution : I request that XXXX XXXX Department of Education : XXXX. Delete all six accounts in full from all credit reports with Experian, Equifax, and TransUnion.

2. Provide written confirmation of deletion.

3. Cease reporting any inaccurate or duplicate information.

4. Cease the unauthorized selling or sharing of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
CFPB Complaint Update Cash App ( No Response / Procedural Violations ) It has now been over a month since my last update, and I have received no response from Cash App. My account remains closed, and no proper investigation into my disputes has been conducted. From the start, Cash App has ignored procedure, broken multiple laws and guidelines, and denied me a fair investigation causing ongoing financial harm and loss of access to my own records. 

Timeline & Procedural Failures : XX/XX/2025 Initial Request : I asked Cash App to review all suspicious transactions together, as I could not determine which were authorized. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, they must investigate in good faith and consider all available evidence.

Refusal of Collective Review : They refused to review disputes collectively and forced me to file each individually, denying me an effective and fair dispute process.

Premature Account Closure : They closed my account mid-investigation, cutting off my access to records and communication. This violates Reg Es requirement for a reasonable opportunity to provide information during an investigation.

Lack of Communication : I only received automated responses, closed chats, and vague updates. I was never given a list of transactions under review, the evidence reviewed, or specific reasons for denials.

Partial & Unexplained Refunds : Some transactions were refunded and others denied without any written explanation, violating 12 CFR 1005.11 ( d ).

No Response to CFPB Follow-Up : Since my last CFPB update, Cash App has provided no findings, documentation, or resolution. This violates Reg Es timelines ( 10 business days provisional credit / 45 days for a final determination ).

Laws & Guidelines Violated : Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) Regulation E ( 12 CFR Part 1005 ) including 1005.11 ( b ), ( c ), and ( d ) CFPB UDAAP Standards unfair and abusive practices by obstructing a fair dispute process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi bank closed my account number with no explanation to why. Stated I will receive a letter from fraud protection explaining or stating the reason. I only had the account for two weeks and was on good standing. Then first week couldnt even use my card because they locked it for fraud because i used it across state lines. Then card was working fine and was closed out of no where and wont return my work direct deposit for 60 days.

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 2025-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: MO

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Complaint Against XXXX XXXX and XXXX XXXX XXXX for Unauthorized Disclosure and Unverified Debt Collection To Whom It May Concern, I am submitting this complaint regarding the improper handling of my personal information and the subsequent debt collection practices by XXXX XXXX. 

XXXX XXXX XXXX appears to have disclosed my personal and medical information to XXXX XXXX without my consent, resulting in a negative account being reported on my credit file. I have not received any prior notice or validation of this debt, nor have I authorized the transfer of my private data to a third-party debt collector. 

XXXX XXXX has reported this account to the credit bureaus, damaging my credit score, despite failing to provide proper validation of the debt. I believe this violates both the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Health Insurance Portability and Accountability Act ( HIPAA ). 

I respectfully request that the CFPB investigate the following : - Whether XXXX XXXX XXXX violated privacy laws by disclosing my personal information - Whether XXXX XXXX is in compliance with FDCPA requirements - Whether the credit reporting of this account is lawful and accurate I am requesting that this account be removed from my credit reports and that both entities be held accountable for any unlawful actions. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: MI

Complaint narrative:
On XX/XX/year>, I noticed there was XXXX point decrease in my credit score due to the XXXX account company name changing. Nothing changed in the balance. Im not understanding why would my score have a XXXX point decrease in my score due to a company name change that has nothing to do with me and why my score should change for that reason. Also on XXXX XXXX, there was a XXXX point decrease in my score for an inquiry. A XXXX point decrease in a score for an inquiry is insane. This is unacceptable. I contacted a credit advisor, the credit advisor stated that if there were no other changes on your report the score should have decrease maybe a few points like XXXX points. This also is unacceptable. I have worked hard to get to where I am and I dont use my credit often. I honestly feel like this is harrassment and potential racial discrimination. This is not the first time this has happen where my score is decreasing for reasons that are unacceptable. I am requesting g that my score is retired of the first XXXX points that was decreased for a company name change and that the second deceased is estimated to the correct amount that it should have decreased for a inquiry. If this is not corrected I will move forward with further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: LEXISNEXIS
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSC : XXXX D.O.B : XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX Request for Immediate Credit Reporting Correction To Whom It May Concern : I am writing to formally dispute and demand correction of an inaccurate late payment entry that your institution has furnished to the credit reporting agencies regarding my account, [ Account Number XXXX ] On XX/XX/XXXX, I made a payment on this account. Your internal records reflect that the payment was received and subsequently corrected in your system. Despite this correction, you failed to update the inaccurate 30-day late payment status you furnished to the credit reporting agencies. This inaction is causing unjustified damage to my credit profile and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), as a data furnisher, you are prohibited from reporting information that you know or have reasonable cause to believe is inaccurate. Additionally, 15 U.S.C. 1681s-2 ( b ) requires you to promptly investigate and correct any information that is found to be incomplete or inaccurate once you become aware of it.

Given that you have already acknowledged and corrected the payment in your own system, continued reporting of a 30-day late payment is a direct violation of the FCRA and is considered furnishing knowingly false information.

Demand : 1. Immediately update all credit reporting agencies ( Experian, Equifax, and TransUnion ) to reflect that there was no late payment for XX/XX/XXXX. 
2. Provide me with written confirmation that the update has been completed.

3. Cease and desist from furnishing any false or misleading information about this account in the future. 


If this matter is not corrected within 15 days of receipt of this letter, I will pursue all remedies available under the FCRA, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as initiating legal action for damages. 

I expect your prompt attention to this matter. Please send all correspondence to the address above. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have filed a police report regarding the identity theft, and I have attached a copy of that report along with a valid government-issued photo ID and proof of address for verification. I am requesting the immediate removal and blocking of all fraudulent accounts, inquiries, and information from my credit file as allowed under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B. Please send me written confirmation once these fraudulent items have been removed from my credit report and provide a copy of my updated credit file. Thank you for your immediate attention to this serious matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00}

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 2025-08-11 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: ALLIANT CREDIT UNION
State: MD

Complaint narrative:
Have not heard from them about inquries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXXXXXX 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 response to consumer: Closed with non-monetary relief