vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be
disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
b'PLEASE SEE ATTACHED SCREENSHOTS & PICTURES TAKEN OF XXXX PAPER MONEY DEPOSIT TO BETTER CONFIRM MISSING AMOUNT OF THE 2 SEPERATE PAPER MONEY DEPOSITS MADE AT THE SAME XXXX LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IN THE AMOUNT OF XXXX  AND THE FOLLOWING MORNING ON XXXX BETWEEN XXXX XXXXN THE EXACT AMOUNT OF XXXX  CONCLUDING THAT BOTH DEPOSITS TOTALLING TO XXXX  ALTOGETHER AND FROM THOSE DEPOSITS ONLY XXXX  OUT OF THE XXXX  HAD PROCESSED AND REFLECTED INTO MY ACCOUNT BEFORE CASHAPP DECIDED TO CLOSE MY ACCOUNT OUT WITH LITTLE TO DETAIL AS TO WHY THE DECISION TO CLOSE MY ACCOUNT THAT WAS IN GOOD STANDING, AND NOT OVERDRAWN, & HAD BEEN CURRENTLY ACTIVE FOR THE LAST 2 YEARS OR MORE WAS MADE AND MORE SPECIFICALLY NO RESOLUTION OR FURTHER DETAILS OR UPDATES ABOUT MY SAME MISSING PAPER CASH DEPOSITS THAT ARE STILL ALLEGEDLY BEING CURRENTLY HELD UNDER INVESTIGATION AND CONDUCTED BY CASHAPP HAVE BEEN GIVEN EXCEPT AN EMAIL RECIEVED BY CASHAPP THAT IS ALSO ATTACHED WITH THE SCREEN SHOTS AND PICTURES TAKEN OF THE XXXX RECIEPTS TAKEN THAT ARE ALSO ATTACHED TO BETTER CONFIRM THESE SAME PAPER MONEY DEPOSIT TRANSACTIONS THAT NEVER PROPERLY PROCESSED AND COMPLETED INTO MY CASHAPP ACCOUNT THAT CASHAPP ONLINE SUPPORT CONTINUES TO IGNORE AND NEGLECTTO RESPOND TO ANY OF MY INQUIRIES ABOUT THIS ISSUE LEADING ME TO COMPLAIN TO THE CONSUMER FINANCE BUREAU AS MY LAST HOPE AND RECOVER THE XXXX THAT IS STILL OWED TO ME FROM THE PAPER MONEY DEPOSITED AT XXXX FROM CASHAPP. THANK YOU AND I APPRECIATE THE RIME TAKEN TO REVIEW THIS ISSUE OF COMPLAINT.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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 did not initiate these inquiries and believe they may be fraudulent. I request a full investigation and their prompt removal from my credit report. The necessary supporting documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: UT

Complaint narrative:
On XX/XX/XXXX I applied for an installment payment plan and was told I was accepted with a down payment of {$490.00} deposited onto the app. After the deposit was made I was denied the installment plan and was told they would not return the funds as it can be used in the app for other purchases. I have attempted multiple different purchases with the funds through the app with no options for using the funds. I have contacted the customer service line multiple times with no solution being resolved and many times without any replies. Contradicting many things stated on the website and the customer service chatbot.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2025-07-15 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 respectfully bring to your attention the presence of a collection account within my credit file that I believe has been reported in error or through fraudulent means. This entry lacks merit and undermines the integrity of my credit profile.

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 2025-07-15 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 am formally disputing the accuracy and legitimacy of a collection account reported on my credit file. I do not acknowledge this debt and suspect it to be the result of identity misuse or reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
have reason to doubt the accuracy of the information provided by this account. To my knowledge, I have never entered into any legal obligations with this company. I require concrete evidence establishing the ownership of this account. Specifically, I request a signed contract, the sole legal document that could substantiate any agreement. Kindly remove this account until such proof is provided. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-15 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: AR

Complaint narrative:
have reason to doubt the accuracy of the information provided by this account. To my knowledge, I have never entered into any legal obligations with this company. I require concrete evidence establishing the ownership of this account. Specifically, I request a signed contract, the sole legal document that could substantiate any agreement. Kindly remove this account until such proof is provided. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am submitting this complaint because American Express is reporting an account under my name to XXXX XXXX XXXX with several serious discrepancies. I have already sent a formal debt verification letter to the company, but they have failed to respond with proper documentation as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

The account in question ( partial account number : XXXXXXXX XXXX XXXX  ) is being reported with inconsistent dates of opening, balances, dispute remarks, and last activity between XXXX XXXX XXXX : Opening date : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : XXXX  : {$2500.00} XXXX XXXX  {$2500.00} Dispute comments : XXXX  : Dispute resolved; customer disagrees XXXX : Subscriber reports dispute resolved consumer disagrees Last activity date : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These conflicting entries are negatively impacting my credit standing. American Express has not provided the original signed contract, full account history, or any evidence of proper notification prior to furnishing negative information as required by law. 

I am requesting that the CFPB : 1. Investigate American Express for failure to provide proper debt validation. 
2. Require American Express to either fully verify the account with supporting documentation or permanently delete the account from all credit bureaus. 
3. Ensure that any updates are corrected across all credit bureaus to prevent ongoing harm to my credit profile. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MT

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 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
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Citi credit card with three balance transfers on it. One for 0.00 % interest that expired XX/XX/XXXX. A second for 0.00 % interest that expires XX/XX/XXXX. A third for 2.99 % interest that expires XX/XX/XXXX. 

Knowing that any payments I made XX/XX/XXXX or prior would be applied toward the 2.99 % interest balance transfer, I waited until XX/XX/XXXX to pay {$1200.00} to satisfy the minimum balance, accrued interest, and then the remainder toward the amount that began accruing my normal APR. The majority of the funds were placed toward the 2.99 % balance transfer amount. 

When I spoke with customer service on XX/XX/XXXX, they stated they applied it to the highest interest on the prior statement. I explained it didn't matter what was on the prior statement, as the highest interest became my full APR of 28.24 % on XX/XX/XXXX. They said they would send a letter explaining how they applied the balance. 

The letter does not provide specific information pertaining to my account, but rather the general order of payment application which is : 1. Past due amounts 2. Current interest charges 3. Principal balances in APR order from lowest to highest Given that I had a balance accruing 28.24 % on XX/XX/XXXX, this practice was not followed.

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 2025-07-15 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 filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureaus ( Experian, Equifax and TransUnion ) are required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). The CFPBs XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} million penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. XXXX 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 2025-07-15 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureaus ( Experian, Equifax and TransUnion ) are required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). The CFPBs XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} million penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Hello! I have had a student loan with XXXX  for years that I paid on routinely. The interest is very low, so I have never worried too much about it and just paid it accordingly. When XXXX happened, I guess something happened to XXXX, but I was never informed of this. I knew the loans had been paused due to the pandemic, but certainly never had any intention of missing a payment or not paying my college education bills. 

I researched XXXX  when I heard that the loans may be coming due again for XXXX  with XXXX debt, now having XXXX kids in college myself of which I am doing my very best to pay cash for their educations, I understand that pressure. I could not find any websites that led me to a new account number, website, or way to pay on my old or new loans. When searching, XXXX  had no record of my account. I pulled my credit report up to try and figure out who held the account now, so that I could contact them and see to it that there were paid. Once I have done that, and when doing so I noticed negative remarks and discrepancies on my report suggesting that I had 3 late payments on my credit recently for payments not made on my student loans to the benefit of a company I had never heard of nor received information making me aware of in any form or fashion. 

I have moved from XXXX to XXXX since XXXX and had all of my mail forwarded successfully. I have not received one single piece of mail stating that the loan servicer would be transferring my account and what that meant for myself and my husband. I did not knowingly miss any payments and made all necessary payments to catch the account up this evening. I have since brought the account current now that I am aware, but I will be seeking for my credit report to be fixed accordingly as well as swiftly as we have been working for weeks so hard to be ready to refinance our new home as soon as rates drop a bit, so any movement would be appreciated. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud. 
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 explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud. 
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 explanation