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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of 1. Open Accounts with Late Payments ( FCRA 602 ( A ), 611, FDCPA 807 ( 8 ) ) The following open accounts are inaccurately reporting late payments and must be deleted or corrected immediately : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( both accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. ( Fraudulent/Identity Theft under FCRA 605B ) The following closed accounts are reporting derogatory information that is fraudulent and/or the result of identity theft. I did not authorize these accounts or the activities associated with them : XXXX XXXX ( 2 accounts ) XXXX XXXX XXXX As per FCRA Section 605B, upon notification of identity theft, you are required to block these accounts from my file within four ( 4 ) business days.

3. Unauthorized Hard Inquiries ( FCRA 604 ( a ) ) The following inquiries were not authorized by me and must be immediately deleted : XXXX ( twice ) XXXX XXXX  ( twice ) XXXX XXXX ( twice ) XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result 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 2025-04-21 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: GA

Complaint narrative:
This complaint is submitted against Experian ( File # XXXX ), TransUnion ( File # XXXX ), and Equifax ( File # XXXX ) for continued violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting standards. 
Despite multiple previous disputes, all three agencies have failed to remove or properly verify fraudulent accounts from my credit reports. Some of these accounts are confirmed identity theft cases and are included in my formal FTC Identity Theft Reports ( Report Numbers : XXXX and XXXX ), which are attached with this submission. 
These credit reporting agencies have not complied with FCRA 605B, 609, and 611. They have failed to provide : - Contracts or signed agreements for any disputed accounts - Source information from furnishers - Proof of permissible purpose for account reporting - Proper reinvestigation per FCRA guidelines- Required dispute code ( XB ) during investigations Furthermore, the credit reporting agencies have violated 605B by continuing to report identity theft-related accounts that were confirmed via FTC documentation. I have now included my most recent Metro 2-based dispute letters, my FTC Identity Theft Reports, and all other identifying information required for this complaint. 
Additionally, every single one of the disputed accounts contains serious inconsistencies across reporting fields that prove they could not have been properly investigated. Common issues include but are not limited to : - Charge-off accounts still reporting a past due balance - Account balances exceeding credit limits without explanation - Re-aging of charge-offs with new update dates despite closure - Closed accounts showing new payment activity or balance changes- Conflicting statuses ( e.g., closed but reporting open ) - Accounts marked as in dispute but never flagged with XB code - Missing or outdated last payment and date of last activity fields- Accounts listed differently across all three bureaus with conflicting outcomes These inconsistencies are clear evidence that no proper verification or reinvestigation has occurred. The FCRA requires consumer reporting agencies to ensure maximum possible accuracy and to conduct a good faith reinvestigation. These agencies have repeatedly failed to meet those obligations. 
I am requesting that the CFPB compel Experian, TransUnion, and Equifax to permanently delete all accounts listed in my most recent disputes. If the agencies can not validate these accounts with proper evidence, the accounts must be removed in accordance with federal law. 

Sincerely, XXXX XXXX

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts Ive marked as inaccurate, XXXX XXXX, XXXX.

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: 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:
i have disputed false information and inaccurate information for deletion.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Escrow Payment Plan Loan # XXXX On XX/XX/XXXX, my mortgage loan was transferred from XXXXXXXX XXXX  to M & T Bank. Prior to the transfer, I was assured by XXXX that a XXXX repayment plan for the escrow shortage could be arranged to help make any payment increase more manageable. During a joint call with a representative from M & T and XXXX, this arrangement was confirmed. 

However, after the transfer, I contacted M & T Bank multiple times to confirm the XXXX plan. I was told that it was still under review by the escrow department. After several follow-up calls and speaking with different representatives, I was later informed the repayment plan was denied because the increase was not due to a lender error but rather a rise in property taxes. 

To verify this, I contacted XXXX XXXX, which confirmed that my taxes increased modestly from {$6900.00} in XXXX to {$7500.00} in XXXXnot enough to justify such a significant payment increase. Despite this, M & T raised my monthly payment to {$960.00}, which is not affordable for me. 

I feel that M & T has not honored the original promise made by XXXX and confirmed at the time of transfer. The inconsistent communication and denial of the agreed-upon payment plan are unfair and have created undue financial hardship.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$910000.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$27000.00}

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 non-monetary relief
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: MS

Complaint narrative:
TransUnion Credit Bureau RE : Dispute of Inaccurate/Derogatory Information Metro 2 Compliance Request To Whom It May Concern : I am formally disputing all inaccurate, outdated, and derogatory items currently listed under my credit profile. These entries are either unverifiable, outdated, or reported incorrectly in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

2 item ( s ) have been reported as derogatory on my credit file with TransUnion. I request that you : Conduct a thorough investigation of each disputed item.

Remove or correct the inaccurate/derogatory information if it can not be verified with proper documentation from the data furnisher.

Provide a detailed written response of your findings.

Per FCRA 611 ( 15 U.S.C. 1681i ), you are required to complete this investigation within 30 days. If verification can not be provided, these accounts must be deleted. 

Ive attached a copy of my ID and proof of address for verification. Please confirm removal in writing. 

Sincerely, 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 2025-04-22 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block inc. ) due to inadequate customer service and unfair practices, which violate 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NerdWallet, Inc.
State: MA

Complaint narrative:
This complaint is in response to previous complaint XXXX. It is NOT a duplicate complaint. The company response was FULL of lies, and they STILL have not addressed the issue. As stated, the company did NOT respond to numerous emails both direct and through their website, and STILL continues to not respond. They claim they sent me an email notifying me of their unwarranted closure. They did NOT. Nothing was in my Spam box and NOTHING was received from them. Furthermore, they STILL have not provided me with assurance or a method to delete my personal financial data that they have. They LIED to the XXXX  telling them they did. They did NOT. They claim I can fill out a form, but have not provided that form, and since they blocked access to my account without notice, I can not log into it myself. This is a irresponsible, untrustworthy business that is acting in a reckless, careless and dangerous manner with customer sensitive information.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are fraudulent items on my credit report that I did not authorize or benefit from. Ive already reported this to the Federal Trade Commission, but the items are still showing. This needs to be fixed immediately.

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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I initiated XXXX deposits from my online savings account at XXXX XXXX XXXX XXXX  into my Citibank account. These transfers were made so I could access my funds in person, as XXXX does not offer physical banking services. 

Shortly after the deposits cleared, I attempted to make a withdrawal. However, Citibank blocked access to my account without prior notice. I was later informed that the account was placed in pending closure status as of XX/XX/year>. 

I did not receive any warning or detailed explanation regarding the account restriction. All funds transferred were legitimate and from my own account. I believe Citibanks actions were unjustified, and I am requesting that the account be reinstated and the closure process halted. I have not engaged in any fraudulent or suspicious activity and would like this issue resolved as soon as possible. 
I attached the copy of the transaction from my amex bank account to prove I made these transfers from my own 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 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
there is a hard inquiry on XXXX from XXXX. I did not authorized any one to do this. this hard inquiry is not mine. please remove it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Recently, I discovered that XXXX had been unexpectedly blocked on my account. I was not notified of this action, and it has disrupted my ability to receive business payments. I attempted to log in and resolve the matter, but was locked out of my account entirely. 

I contacted your online banking representative, who sent me a verification code. I repeated the code back to her clearly, but she input it incorrectlyresulting in a lockout that now requires me to visit a branch two hours away just to verify my identity. This mistake was not mine, and I find it unreasonable that I must suffer the consequences for a representatives error.

As a small business owner, this disruption has delayed my ability to operate, affected my client relationships, and caused me significant stress and XXXX. I am requesting the following : A full explanation of why XXXX was blocked. 
Immediate restoration of access to my account and services, or a secure alternative verification process ( such as video identification ). 
A note placed on my account reflecting that the access issue was due to agent error.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a predatory tribal loan account that should not be on my Transunion report. Since XX/XX/XXXX, I have paid them over {$11000.00} on an {$1800.00} line of credit. This is several times the principal amount, which far exceeds the federal legal limit- they have already made more than their fair share off me. Due to the exorbitant amount in interest I paid to them, I was not able to focus on paying off my other debts, which has been holding me back in life. 

Since XX/XX/XXXX, I've had enough and stopped making payments to them. Earlier this month, they had the audacity to report the late payment to Transunion, despite already milking me dry. 

I would like this account to be deleted off my Transunion report. The fact that they can't report to XXXX or XXXX  already proves the legality of this situation.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment that is showing on my credit report that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. XXXX XXXX XXXX is incorrectly reporting a late payment from XX/XX/year>2024. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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