vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
My name is XXXX XXXX, XXXX Social Security : XXXX, XXXX this complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C & 1681 C-2 ) that you EXPERIAN credit report agency, block information appearing on my consumer credit report that is the resulted of identify theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a mortgage loan or so related with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXThese accounthave resulted in Several fraudulent hard inquiries and fraudulent items appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. I have attached a copy of FCT IDENTITY theft Criminal Complaint # XXXX and fraud as proof from the US FEDERAL Commission that all of the aforementioned consumer credit report accounts, collections, and hard inquiries are the resulted of Identity theft and Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-17 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: NC

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$47.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-17 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: FL

Complaint narrative:
Equifax XXXX. XXXX XXXX XXXX GA XXXX Subject : DEMAND FOR IMMEDIATE REMOVAL OF ILLEGAL REINSERTION FCRA VIOLATION FINAL NOTICE BEFORE LEGAL ACTION I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) ( B ). 
The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within XXXX ( XXXX ) business days, as required by FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) Certification of accuracy from the data furnisher, as required by FCRA XXXX ( a ) ( XXXX ) ( B ) ( i ) XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Let me be perfectly clear : this was not a clerical error. This was a deliberate, fraudulent act that has caused me serious and measurable harm. Because of your illegal reinsertion of this account, I was denied a mortgage loan that would have allowed me to purchase my first home. Your unlawful actions have directly caused XXXX of XXXX me to lose XXXX  of dollars in XXXX money, legal fees, appraisal costs, and to XXXX XXXXXXXX XXXX XXXX I will no longer tolerate your XXXX  disregard of my rights. Per XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ), you were required to do the following XXXX. 
XXXX. 
Obtain a certification of accuracy from the furnisher of the information Provide me with written notice of the reinsertion within XXXX ( XXXX ) business days You did neither. 
This is an act of : Fraudulent reporting Deceptive consumer practice Intentional financial XXXX  I am demanding the following, effective IMMEDIATELY : XXXX. 
XXXX. 
XXXX. 
Permanent deletion of the reinserted account A written explanation of why this account was reinserted without proper certification and without notice to me Certified proof of compliance with FCRA XXXX ( a ) ( XXXX ) ( B ) I am fully prepared to take XXXX legal action if you do not comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I received my credit report from all three credit bureas on XX/XX/25 and I formally disputed fraudulent accounts that have appeared on my credit report. After the dispute they have still continued to be listed on my credit reports. I am attaching all the accounts with the name and account numbers including the FTC report. These do not relate to any transactions that I have made and after careful review I determined these accounts are a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 writing to file a formal complaint regarding inaccurate and potentially unlawful credit reporting on my credit report by XXXX Bank, as shown on my Experian report. This account contains multiple errors and reporting practices that appear to violate the Fair Credit Reporting Act ( FCRA ). 

XXXX. Repeated Monthly Charge-Offs : XXXX XXXX is reporting CO ( charge-off ) status for multiple consecutive months ( over XXXX  months ). This is inaccurate. A charge-off is a one-time accounting action and should not be reported on a rolling monthly basis once it has occurred.

2. Inflated Balance and 100 % Credit Utilization : The account reports a balance of {$630.00}, which exceeds the actual credit limit of {$500.00}, reflecting an inaccurate utilization rate of over 100 %.

3. Potential Double Reporting of Derogatory Status : The account reflects both severe delinquency ( 150 days past due ) and continued charge-off reporting. This may lead to double counting of derogatory information, which unfairly impacts my credit profile.

4. Inconsistent Reporting Timeline : The charge-off was reported in XX/XX/2024, but CO codes are applied for several months after the account should have been closed, further confusing and misrepresenting the actual status of 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 non-monetary relief
Consumer complaint received 2025-06-17 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 am writing to file a formal complaint regarding inaccurate and potentially unlawful credit reporting on my credit report by XXXX Bank, as shown on my Experian report. This account contains multiple errors and reporting practices that appear to violate the Fair Credit Reporting Act ( FCRA ). 

XXXX. Repeated Monthly Charge-Offs : XXXX XXXX is reporting CO ( charge-off ) status for multiple consecutive months ( over XXXX  months ). This is inaccurate. A charge-off is a one-time accounting action and should not be reported on a rolling monthly basis once it has occurred.

2. Inflated Balance and 100 % Credit Utilization : The account reports a balance of {$630.00}, which exceeds the actual credit limit of {$500.00}, reflecting an inaccurate utilization rate of over 100 %.

3. Potential Double Reporting of Derogatory Status : The account reflects both severe delinquency ( 150 days past due ) and continued charge-off reporting. This may lead to double counting of derogatory information, which unfairly impacts my credit profile.

4. Inconsistent Reporting Timeline : The charge-off was reported in XX/XX/2024, but CO codes are applied for several months after the account should have been closed, further confusing and misrepresenting the actual status of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: AZ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-06-17 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and potentially unlawful credit reporting on my credit report by XXXX Bank, as shown on my Experian report. This account contains multiple errors and reporting practices that appear to violate the Fair Credit Reporting Act ( FCRA ). 

XXXX. Repeated Monthly Charge-Offs : XXXX XXXX is reporting CO ( charge-off ) status for multiple consecutive months ( over XXXX  months ). This is inaccurate. A charge-off is a one-time accounting action and should not be reported on a rolling monthly basis once it has occurred.

2. Inflated Balance and 100 % Credit Utilization : The account reports a balance of {$630.00}, which exceeds the actual credit limit of {$500.00}, reflecting an inaccurate utilization rate of over 100 %.

3. Potential Double Reporting of Derogatory Status : The account reflects both severe delinquency ( 150 days past due ) and continued charge-off reporting. This may lead to double counting of derogatory information, which unfairly impacts my credit profile.

4. Inconsistent Reporting Timeline : The charge-off was reported in XX/XX/2024, but CO codes are applied for several months after the account should have been closed, further confusing and misrepresenting the actual status of 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 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern regarding ongoing issues with my Experian account that have significantly impacted my ability to secure a home and provide for my family. 

Urgent Address Update : For over a year, my current home address has not been updated on my credit report. This has marginalized my opportunities to secure basic necessities for my family. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to maintain accurate and timely information. I urgently requested that Experian update my address to reflect my correct residential information. 

Since purchasing my Experian membership I have been unable to pull my credit report for Experian since XX/XX/year>- XXXX. This lack of access has further hindered my ability to meet my family 's needs and is a violation of my rights under the FCRA. I request immediate assistance in regaining access to my credit report. 

Given the continued failure to provide the services promised through my membership, I am seeking a refund of my monthly membership fees from XX/XX/year> to the present. I have not received the full benefits of my membership, and I believe it is reasonable to request a refund for this period. 

The urgency of these issues can not be overstated, as they have directly affected my family 's ability to secure stable housing and meet basic needs. I expect a prompt response to my requests immediately, confirming that my address has been updated, granting me access to my credit report, and processing my refund request. 

Thank you for your immediate attention to these critical matters.

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I was at fault I lost my job and I was going through a financial hardship unfortunately I couldnt pay my overdraft fees that led to my account being suspended I want navy federal credit union consider their decision putting me through their relief program

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Subject : Experian Credit Report Appears Locked Blocking Auto Loan Approval What happened : I am trying to apply for a vehicle loan through a dealership, but the banks they work with are reporting that my Experian credit report is locked, and they can not access it. This has created a significant delay in securing transportation I need to run my business. I am a professional painter, and having access to a vehicle is essential for transporting materials and traveling to job sites. 

I have contacted Experian customer support multiple times, and they continue to tell me that there are no active locks or freezes on my file. However, despite these claims, lenders are still unable to pull my credit report through Experian. 

This discrepancy is creating a serious hardship and loss of opportunity for me. I am trying to purchase a new vehicle as soon as possible and Experians inability to resolve or clarify this issue is interfering with that process. 

What I want Experian to do : Investigate and remove any unknown credit lock or block that is preventing third parties from accessing my credit profile. 
Provide written confirmation of my credit status and accessibility for lenders. 
Provide a clear explanation for why Experian shows my file as open, yet lenders are being told otherwise.

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