vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: PA

Complaint narrative:
I'm not too sure of the dates it's on the disputes on the account but it's cashapp I have been with them for about 3 or 4 years never any problems. 

My ex wife stole my card and sent her self XXXX $ from my account she also took my tax refund {$930.00} {$900.00} XXXX XXXX XXXX was my taxes that I didn't even get to use I seen it went to sleep. Woke up my card was gone and the money was out of the account {$270.00} - XXXX XXXX Sent some guy {$800.00} {$800.00} {$400.00} - XXXX XXXX Another guy XXXX {$150.00} {$110.00} and money to a bunch of other people so I dispute it on cashapp and they declined it I totally get that it sounds like fraud I understand but it's been about 2 week and I'm still on it. This is serious to me I'm XXXX a single father of XXXX kids working XXXX hours a week to live I don't play with money I have a family. I would just like my money back is all. It's been 6 days my landlord is going to kick me out I really need that money back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint to report that XXXX XXXX placed an unauthorized hard credit inquiry on my credit report without my knowledge or consent. This action occurred without any application, authorization, or permissible purpose as required under the law. While the inquiry has since been removed, the damage to my credit profile and personal stress caused by this unauthorized access is unacceptable and in violation of federal consumer protection laws.

Legal Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( f ) A person shall not use or obtain a consumer report for any purpose unless ... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section... 
XXXX XXXX did not have a permissible purpose under this statute to perform a hard inquiry.

FCRA, 15 U.S.C. 1681q Obtaining information under false pretenses It is unlawful to knowingly and willfully obtain a consumer report under false pretenses.

FCRA, 15 U.S.C. 1681n Civil liability for willful noncompliance A consumer reporting agency or user of information may be liable for damages of {$100.00} {$1000.00} per violation, actual damages, punitive damages, and attorneys fees.

FCRA, 15 U.S.C. 1681o Civil liability for negligent noncompliance HARD INQUIRY DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-06-13 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: NY

Complaint narrative:
I am filing this complaint to report that XXXX XXXX placed an unauthorized hard credit inquiry on my credit report without my knowledge or consent. This action occurred without any application, authorization, or permissible purpose as required under the law. While the inquiry has since been removed, the damage to my credit profile and personal stress caused by this unauthorized access is unacceptable and in violation of federal consumer protection laws.

Legal Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( f ) A person shall not use or obtain a consumer report for any purpose unless ... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section... 
XXXX XXXX did not have a permissible purpose under this statute to perform a hard inquiry.

FCRA, 15 U.S.C. 1681q Obtaining information under false pretenses It is unlawful to knowingly and willfully obtain a consumer report under false pretenses.

FCRA, 15 U.S.C. 1681n Civil liability for willful noncompliance A consumer reporting agency or user of information may be liable for damages of {$100.00} {$1000.00} per violation, actual damages, punitive damages, and attorneys fees.

FCRA, 15 U.S.C. 1681o Civil liability for negligent noncompliance HARD INQUIRY DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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 have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX- {$4000.00} XXXX # XXXX XX/XX/XXXX -- {$4500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-13 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX responded to my complaint about them reporting inaccurate information on my credit report. They attached a debt validation letter saying they found me liable for the debt. After reviewing the document, I noticed some inaccurate information on the papers, which I will list and attach to this complaint. Please fix this situation before I have an attorney file a lawsuit for the damages they caused on my credit report. I have also sent this information to the attorney general office in Georgia

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-13 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: CA

Complaint narrative:
I am filing this complaint regarding Experians reporting of an auto loan from XXXX XXXX XXXX ( Account No. ending in XXXX ). The account was charged off in XX/XX/XXXX, and Experian notes that {$21000.00} was written off. 

However, Experian continues to report the account monthly as a charge-off ( CO ) from XX/XX/XXXX through XX/XX/XXXX, which is in violation of the Fair Credit Reporting Act ( FCRA ) and industry credit reporting guidelines. Once an account is charged off, furnishers can not continue to report monthly CO notations unless there is new activity, which there has not been. 

Additionally, the account balance is reported as {$22000.00}, which exceeds the amount written off ( {$21000.00} ). This appears to be duplicate or incorrect reporting of past-due balances, which can mislead lenders and harm my credit profile unfairly. 

I have attempted to dispute this directly with Experian using their online system, but they offer only XXXX characters for a dispute explanation, which is insufficient for addressing complex FCRA violations. 

I am requesting that the CFPB help ensure Experian : Ceases the inaccurate monthly charge-off reporting beyond the actual charge-off date ( XX/XX/XXXX ) Accurately reflects the correct balance and written-off amount or Please remove.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Im filing a complaint against Credit Collection Services regarding a {$55.00} collection account originally placed by XXXX XXXX ( car insurance ). 

This was an insurance balance that was paid in full but continues to be reported as a derogatory collection. The last update was in XX/XX/year>, and Ive already disputed this, but the account remains. 

I am requesting a full deletion of this tradeline for the following reasons : This was car insurance not a credit-based service and under the FCRA, non-credit utility-type accounts should not be reported as collections.

The balance is small ( {$55.00} ) and has been paid, which makes this even less appropriate for ongoing derogatory reporting.

The account is 2 years old, paid, non-credit-based, and unfairly damaging my credit history. 

I am requesting that Credit Collection Services : Permanently delete this tradeline from all credit bureaus Confirm in writing that it will not be re-reported or transferred This is a clear case of a paid, non-credit-based, low-balance tradeline that should no longer appear on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear CFPB, I am submitting this complaint because Equifax, TransUnion, and Experian ( or its reporting partners ) is displaying false credit information on my credit report. Specifically, they are listing a trust account or trust-related financial asset as if it is a personal financial asset or liability of mine. 

XXXX XXXX XXXX XXXX is reporting two such accounts : One in the amount of {$1900.00} Another in the amount of {$650.00} I am only the beneficiary of the trust. I am not the trustee, I have no legal control, and I do not own the assets. Therefore, it is misleading and inaccurate for this account to be reflected as part of my personal credit report.

This misreporting is harmful. It has caused me to be denied financial assistance, and it affects my credit score unfairly. Under the Fair Credit Reporting Act, I have the right to a credit report that is accurate and free from misleading or unverifiable information. I have already contacted the credit reporting agencies directly to dispute this. However, the issue has not yet been corrected. 

I am requesting that the CFPB investigate this matter and ensure that the credit reporting agencies and XXXX XXXX are accurately reporting my information and not violating my consumer rights. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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 was surprised to find a late payment listed on my account, especially given my consistent history of timely payments. This error is causing undue stress, and I kindly request that you correct my records 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 non-monetary relief
Consumer complaint received 2025-06-13 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-13 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On Thursday XX/XX/XXXX, XXXX mobile deposited my payroll check in the amount of {$5200.00}. None of the funds are available and will be held until XX/XX/XXXX. 

I have owned this checking account for 20 years and this is not the first payroll check I have deposited. I have never had fraudulent activity in this account. The amount deposited is under the {$5500.00} threshold for what's considered a " large check '' under federal rules.

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 2025-06-13 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: PA

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, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : 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 2025-06-13 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: NY

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 2025-06-13 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: MS

Complaint narrative:
I affirm that the inclusion of incorrectly reported XXXX payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-13 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: AR

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 4 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 AR XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/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 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint against Capital One for continuing to report a closed and charged-off account as past due and derogatory. The account was closed in XX/XX/scrub>XXXX XXXX  with a balance of {$510.00}, over a {$300.00} credit limit. 

I have disputed this before, and the account is marked Dispute resolved ; consumer disagrees, yet Capital One continues to report this item as past due. A charged-off account should not also show as currently past due since it is closed and written off. This is misleading and creates double derogatory damage, which is not allowed under the Fair Credit Reporting Act. 

I also did not receive any opportunity to bring the account current or settle before it was charged off. The account reflects multiple late payments and a charge-off, which is disproportionate reporting for a small-dollar consumer account. 

I am requesting : Immediate deletion of this account from all three credit bureaus Confirmation that it will not be sold or re-reported I am attaching a screenshot showing the misleading past due charge-off reporting and the history of late payments that make the account appear more negative than it should be.

Company response to consumer: Closed with explanation