vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has lost my information in their system. When I call them they tell me that my SSN is no longer associated with my name. I am in the third year of XXXX  school at XXXXXXXX XXXX XXXX XXXX XXXX earning my XXXX XXXX  and I will NOT be able to pay my tuition in XXXX because the Department of Education needs my credit to be approved by Equifax in order to issue my federal student aid. This problem is solely due to Equifax 's negligence in losing my person information. I have sent in the requested documentation to Equifax to the address that I was instructed to send it to, and Equifax tells me that they either did not receive my information or they have lost it. It is unacceptable that Equifax can lose people 's personal information from their system and lose their personal information in the form of mail and they must be held responsible. Instead of spending my time studying for my board exams, I am fighting with Equifax to reconnect my SSN with my information. Instead of studying for my XXXX XXXX I am stressing about how I will pay tuition in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NM

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: VA

Complaint narrative:
The FDIC are allowing these internet banks, in this instance Cash App, whos supported by XXXXXXXX XXXX XXXX deposit agreements. But you are allowing them to break the law. Government Department of Treasury checks should be available the next business day. You allow cash app to hold for 6 days. Their deposit agreement, the text they send all have different information. The representative or advocates there say they cant even give you their first name for security reasons, while looking at all of persons personalanl Identity details. I really sick of the government picking when/who/race etc of when they want to uphold the law. I want Cash app held accountable to the same laws since they are FDIC with the peoples money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I called company on XX/XX/XXXX I also sent information to credit bureau asking remove because I did not authorized these inquiries. 
I sent a letter by certified mail Capital One XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I have several late payments on my XXXX XXXX account. I was going through some financial issues at the time of the late payments.

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 2025-04-21 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found out i was a victim of identity theft and i called the credit bureaus for help. They told me to file a fraud affidavit and that would allow me to remove the fraudulent accounts, that didn't work. They didn't remove anything, so i filed a police 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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is a follow up to my original letter dated XX/XX/year> regarding inaccuracies in your credit reporting resulting from identity theft from several data breaches of my 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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
They blocked my account on XX/XX/XXXX and after numerous visits to the banks and calls to customers service they told it was because I added my wife on the account about a month ago and she didnt have enough documentation-so I said ok lets take her off cause I need the money to pay my bills and they say they cant do that cause its under investigation-it was the bank faults for addding her on since she needed more than one id and the employee of the bank still added her and Im still stuck without my money for their mistake, late on my bills and obviously this is not ok

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume 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 non-monetary relief
Consumer complaint received 2025-04-22 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:
I am submitting this complaint because multiple items on my credit report are inaccurate and unverifiable under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ). Despite submitting disputes directly to the credit reporting agencies, these accounts remain on my report and continue to negatively affect my credit.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My Experian Credit Score will not update due to me not having an address on file. I called numerous time and updated my address and my score has not updated and also I have not been able to apply for things as well

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 2025-04-22 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX accessed my credit without a permissible purpose. A disputed debt was passed to Caine & Weiner, who reported it inaccurately and continues to report in violation of XXXX XXXX and FCRA. Ive demanded removal, they failed to validate the debt, and are causing documented financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
This morning, I saw an unauthorized inquiry on my credit report and have no idea where it came from. I check my report regularly and have never seen this before. I even refreshed my browser thinking it might be a glitch, but the inquiry stayed there. Im seriously frustrated and demand that the documents I sent be reviewed immediately so I can stop XXXX over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MD

Complaint narrative:
As of XXXX XXXX Amount : XXXX In accordance with the far credit act of 1970, this Creditor has violated my Rights. Under 15usc1681sec602 stats I have a Right to privacy. under 15usc1681 604a sec2 stats that a consumer reporting agency can not furnish my account without my written instructions. Under 15usc1692g Debt validation claim. I never contracted with this creditor they have opened multiple accounts attacking my credit. Under 18usc894- Collection of extension of credit by extortionate means

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
As of XXXX XXXX Amount : XXXX In accordance with the far credit act of 1970, this Creditor has violated my Rights. Under 15usc1681sec602 stats I have a Right to privacy. under 15usc1681 604a sec2 stats that a consumer reporting agency can not furnish my account without my written instructions. Under 15usc1692g Debt validation claim. I never contracted with this creditor they have opened multiple accounts attacking my credit. Under 18usc894- Collection of extension of credit by extortionate means

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MD

Complaint narrative:
As of XXXX XXXX Amount : XXXX In accordance with the far credit act of 1970, this Creditor has violated my Rights. Under 15usc1681sec602 stats I have a Right to privacy. under 15usc1681 604a sec2 stats that a consumer reporting agency can not furnish my account without my written instructions. Under 15usc1692g Debt validation claim. I never contracted with this creditor they have opened multiple accounts attacking my credit. Under 18usc894- Collection of extension of credit by extortionate means

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding the handling of my dispute by TransUnion concerning XXXX XXXX XXXX accounts : # XXXX * * * * and # XXXX * * * *. I formally disputed the accuracy and completeness of both accounts, as they contain information that I believe is incorrect. 

TransUnion responded to my dispute by stating that the accounts were verified as accurate. However, I am not satisfied with the outcome of their investigation because the specific inaccurate information I disputed remains unchanged. No corrections or modifications were made to the reporting of these accounts, and the inaccuracies are still present. 

Under the Fair Credit Reporting Act, I am requesting that TransUnion provide me with a description of the procedures used to determine the accuracy and completeness of the information they verified. This includes the methods and sources used during their reinvestigation of the disputed accounts. 

I respectfully request that TransUnion provide this information within 15 days of receiving this complaint. If they are unable or unwilling to provide a full explanation of the procedures used to verify the accounts and answer the requests outlined in the attached letter, I request that these accounts be deleted from my TransUnion credit report in accordance with FCRA guidelines.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/scrub> 2025 Received report from Experian that my score had dropped about XXXX point and that in my credit report was the following : from XXXX XXXX XXXX on account XXXX was a charge for XXXX in the amount of {$4000.00}. Apparently someone has stolen my identity, used my SS number and got a credit card in my name.

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 2025-04-21 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: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XX/XX/year>2025 To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Inaccurate Credit Reporting by Westlake Financial Dear CFPB, I am submitting this letter as a formal complaint against Westlake Financial Services due to an unresolved On XX/XX/scrub> 2025, I made a negotiated settlement payment to Westlake Financial regarding account num I have attached a copy of the official post-settlement letter from Westlake confirming that the account is co I have contacted Westlake customer service repeatedly every week and have recordings of these calls. T I respectfully request that the CFPB intervene in this matter and require Westlake to : 1. Correct the payment date to XX/XX/year>2025. 
2. Update the credit bureaus to reflect that the account is settled and closed. 3. Provide a formal confirmation of this correction.

Please find attached the supporting settlement letter as evidence. 
Thank you for your time and assistance in resolving this serious issue.

Sincerely, XXXX XXXXXXXX Executive Vice President XXXXXXXX XXXX XXXX CEO XXXX XXXX

Company response to consumer: Closed with explanation