vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Portfolio Service XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these inquiries are UNAUTHORIZED. I have contacted each company with my concerns and informed them I had not applied for any credit with these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: IN

Complaint narrative:
I reviewed my credit report and saw that a late payment was posted with XXXX XXXX. Ive never been late and my account status is incorrect. I request the information from XXXX XXXX about the account.

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 2025-07-10 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: U.S. BANCORP
State: NY

Complaint narrative:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining XXXX CREDIT BUREAU consumer report on ( XXXX ) & ( XXXX ) without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have not initiated any transaction with US BANK. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with US BANK for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Best regards, XXXXXXXX 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 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.

Complaint narrative:
im getting this cash app card for my niece for when she goes to school and needs money at the last moment i can send her some. ill have full control of her card i just want her be able to count on me when she needs a few dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silencXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-10 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NM

Complaint narrative:
I am desperately trying to get Experian to report my XXXX XXXX XXXX credit card accurately. Since I disputed one transaction they are reporting as NO STATUS on a card i have had open since XX/XX/year>. Account Type, Terms, Monthly payment, High Balance, Credit Limit and Recent Balance all show NOT REPORTED. I have disputed the with Experian 3 times now and each time they send me back a closed request stating that the account is now updated. I have made 3 phone calls to them after each closed request and have been told 3 times that the acct info is now reporting correctly and that they will send me a copy of the new credit report and 3 times now it still shows a status of NO STATUS. I have sent them screenshots showing this and they still refuse to correct the problem. I will attach a screenshot of what I have sent them.

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 2025-07-10 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: Experian Information Solutions Inc.
State: FL

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 2025-07-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX  balance {$8800.00}, XXXX XXXX XXXX balance {$57.00}, XXXX XXXX XXXX balance {$3200.00}, XXXX balance {$8300.00}, XXXX XXXXXXXX balance {$330.00}, XXXX XXXX balance {$1100.00}, XXXX XXXX balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX  balance {$8800.00}, XXXX XXXX XXXX balance {$57.00}, XXXX XXXX XXXX balance {$3200.00}, XXXX balance {$8300.00}, XXXX XXXXXXXX balance {$330.00}, XXXX XXXX balance {$1100.00}, XXXX XXXX balance {$0.00}

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 2025-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Reference complaint XXXX XXXXXXXX which was close prematurely without my input. They adjusted my rate and refused to give me the base SOFR they used. Told me to contact a company overseas who also refused to provide it.

Instead of addressing my question/issue, they sent me a history of my payments going back to 2016 which not only did not address my problem, did not once mention any rate adjustments whatsoever Please reopen the original complaint as it has more details, if possible. This has now been going on for months.

I require a detailed explanation, including all data that was used, of how my new interest rate was calculated. Furthermore, I want commitment from Bank Of America going forward to provide this data prior to each rate adjustment. Without this data, I am not able to determine if theyre rate adjustment 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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
On or around XX/XX/year>, I made a {$360.00} transaction through Cash App that resulted in a loss due to a stolen package from XXXX. XXXX fulfilled their part by shipping the item, but the package was never received. I filed a claim with Cash App, and it was denied without any meaningful explanation. This isnt the first time this has happened in the past, Cash App initially denied a claim until I filed with the CFPB, at which point they reopened it and claimed they needed 6090 days to investigate, only to give me the same answer as before, wasting time and avoiding accountability. 

I understand that XXXX may not be responsible for stolen mail once delivered, but Cash App is still responsible for consumer protection. I was essentially jipped out of nearly {$400.00} and Cash App acted like they had no obligation to help or investigate thoroughly. Its now almost the middle of XXXX Ive waited long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc.
State: GA

Complaint narrative:
American First Finance is reporting a medium score impact and I've never missed a payment and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 21 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 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 2025-07-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ).

More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.

The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
b'I am writing to formally dispute and demand the immediate permanent blocking and removal of the fraudulent accounts and unauthorized hard inquiries listed below. These accounts were opened without my knowledge or consent and are the result of criminal identity theft. As a US Citizen who is of XXXX  descent, I find it extremely challenging and almost feel like Im being XXXX XXXX due to my last name and common first name. As a young parent who just had his first child, these fraudulent accounts are hindering my ability to pursue a better life for my baby girl and demand these be removed immediately. \n\nImportantly, I am also a documented victim of the Equifax Data Breach, where sensitive information including my name, Social Security number, and other personally identifying data were compromised due to Equifaxs own negligence. The fraudulent activity on my credit report began after this breach.\n\nUnder FCRA 605B (15 U.S.C. 1681c-2), you are legally required to block all fraudulent information upon receipt of this notice and supporting documentation. Under FACTA 112/151, you are further required to implement protections for consumers whose data was compromised. Additionally, under FDCPA 809, any third-party furnishers or debt buyers must immediately cease collection efforts and validate all debts if challenged.\n\nFRAUDULENT ACCOUNTS TO BE PERMANENTLY BLOCKED\nXXXX 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 XXXXUNAUTHORIZED INQUIRIES TO BE REMOVED IMMEDIATELY\nInquirer\tDate of Inquiry\tReason for Removal\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYou are legally obligated to block the above tradelines under:\n- FCRA 605B Identity Theft Blocking Statute\n- FCRA 611(a) Failure to Reinvestigate/Incorrect Reinsertion\n- FACTA 112 Responsibilities following identity theft and fraud\n- FDCPA 809 Right to validation and cessation of collection on fraudulent debts\n- 15 U.S.C. 1681n & 1681o Civil liability for negligent and willful noncompliance\n\nFailure to act within the required 4 business days will result in formal complaints to the CFPB, FTC, Texas Attorney Generals Office, and possible civil litigation.\n\n\nENCLOSURES:\n1. FTC Identity Theft Report\n2. Copy of government-issued ID\n3. Summary of fraudulent tradelines and inquiries\n\nSincerely,XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief