vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
Please remove all these items from my Credit report : - ADDRESSES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had not checked my credit report in a long time. I went to the Bank and was informed of these items.

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 2025-07-11 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: FL

Complaint narrative:
The inaccuracies reflected on my credit report are seriously affecting multiple areas of my life, and its deeply frustrating that my prior efforts to correct them have been consistently ignored. This disregard is a direct violation of my rights under the Fair Credit Reporting Act.

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 2025-07-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nRE: Follow-up to Verification of Disputed Account  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDear Experian Dispute Department,\n\nI am writing to follow up on a recent dispute I filed with your agency regarding the following accounts reported on my credit fileXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYour records indicate that these accounts were verified as accurate. As provided under the Fair Credit Reporting Act (FCRA)  specifically 15 U.S. Code  1681i(a)(6)(B)(iii)  I am formally requesting the following information:\n\t1.\tA detailed description of the method used to verify the accuracy of this account;\n\t2.\tThe full name, address, and telephone number of the data furnisher (XXXX XXXX XXXX who verified the informationXXXXCopies of all documentation and records that Experian relied upon during its reinvestigation of this account.\n\nThe FCRA requires that credit reporting agencies conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, and disclose the results. Failure to provide this information within a reasonable period  typically XXXX days  will be considered non-compliance and a violation of 15 U.S.C.  1681i.XXXX Experian does not provide the requested details in writing within XXXX  days of receipt of this letter, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney General, and I may also seek legal remedies.\n\nI expect full compliance with federal law and thank you for your prompt attention to this matter.\n\nSincerely,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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
Last summer Amex reduced my pay-over-time limit from {$20000.00} to {$18000.00} due to my history of only making minimum payments. The lower limit increased my minimum payment so much I couldnt afford it. I called the support people at Amex and enrolled in their short term financial relief program, which entailed a reduced minimum payment, a reduced interest rate, and a waived annual fee. I specifically asked the person who enrolled me, whether my pay-over-time limit would be reduced. He said no, and he said this on a recorded call. In the past month my payments have reduced my balance under the lower pay-over-time limit ; however, I still can not use my card. I called the support line again to ask why, and was told that part of the program was that my limit would be lowered each month. I argued that I was specifically told that was not the case. The support person would not listen or correct anything for me. Additionally, she claimed that she would file a complaint with someone at Amex who could help, and that that person would respond within XXXX days. It has been nearly a month and I have not been contacted. My pay-over-time limit is now {$13000.00}, which effectively means I will never be able to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 submitting this formal dispute regarding an inaccurately reported late payment associated with my account. I have documentation to support that this payment was made on time.

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 2025-07-11 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly XXXX XXXX XXXX XXXX, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to XXXX XXXX. XXXX, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TekCollect Inc.
State: FL

Complaint narrative:
I am disputing these collection accounts because I do not recognize them and believe they may be inaccurate or the result of identity theft.

I have requested validation from the collection agencies but have not received sufficient proof that these debts belong to me.

I have provided XXXX  and the collections with identity theft documentation, including a police report and proof of my address during the disputed times.

These accounts are negatively impacting my credit and ability to obtain housing and services.

I request that the collection agencies investigate thoroughly, provide validation of these debts, and if unable to verify, delete these accounts from all credit reports and cease collection efforts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On or about XXXX XXXX my wife received a call from Truist Bank trying to obtain my information on a new checking account. My wife did not respond because we do not Bank with them and assumed the individual was phishing. 
On XXXX XXXX, I received a credit card in my name and a credit report from XXXX  via USPS. 
I telephoned the Truist fraud department to report the fraud and they confirmed it was fraud. The suspect opened a checking account with my personal information, applied for a credit card and attempted a money transfer for {$12000.00}. The transaction was not granted due to the suspects not confirming pertinent questions. 
Truist advised me to contact your agency and report the fraud. I am retired law enforcement officer and never gave any of my personal information online or over the telephone.

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 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
On XX/XX/year> I received a letter stating I owed {$11000.00}. 
Letter appeared a little sketchy but I scanned the QR code listed. It actually brought me to this webpage, but wanted /debt-collection behind it. This page said it could not be found.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: AZ

Complaint narrative:
This report is being submitted due to incorrect information appearing on my credit report. Equifax verified that a system error caused my personal details to be exposed and used fraudulently. I have been denied credit as a result, and I am requesting that this issue be corrected within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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 am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-07-11 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing these collection accounts because I do not recognize them and believe they may be inaccurate or the result of identity theft.

I have requested validation from the collection agencies but have not received sufficient proof that these debts belong to me.

I have provided XXXX  and the collections with identity theft documentation, including a police report and proof of my address during the disputed times.

These accounts are negatively impacting my credit and ability to obtain housing and services.

I request that the collection agencies investigate thoroughly, provide validation of these debts, and if unable to verify, delete these accounts from all credit reports and cease collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, several unauthorized transactions were made on my Cash App account, totaling over {$1000.00}. I did not authorize these payments, and I promptly reported the issue to Cash App and filed a dispute. 

One transaction alone for {$340.00} was processed two minutes after an authorized device logout from an XXXX in Massachusetts was recorded on my account ( logout at XXXX XXXX, charge at XXXX XXXX  ), strongly indicating unauthorized access. Additionally, I was never alerted to any device login, only a device logout a red flag for potential fraud. 

Despite this suspicious activity and multiple transactions made in rapid succession to unknown users, only one transaction was refunded : an XXXX XXXX payment for {$97.00} at XXXX XXXX the same retailer and same timeframe as the {$340.00} transaction at XXXX PM, which was denied. The inconsistency in how these were handled is concerning. 

The remaining charges were denied with no clear explanation, and the case was closed. I was told the decision was final, and my appeal was also denied without a thorough review or adequate justification. 

I feel this was a rushed and irresponsible decision that failed to consider all evidence. I intend to formally request the documentation Cash App used to deny my claim. As a customer, I deserve transparency and protection not vague denials in the face of clear signs of fraud. 

I am requesting CFPBs assistance in reviewing this matter, helping recover the lost funds, and holding Cash App accountable for inconsistent dispute handling, poor fraud detection, and lack of ckear resolution procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MD

Complaint narrative:
The delinquent status on this account is inaccurate and should not be reported. I would like this to be disputed and updated to show a clean payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I originally did my student loans through Great Lakes and now its with nelnet I never pulled a loan from nelnet so I feel I should not pay nelnet my contract was through Great Lakes and if Great Lake sold my debt thats isnt wat I signed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
Sorry about this, but we do not have a direct line for that department. You have to wait for a call from them. 

SoFi closed my checking account. It was overdrawn XXXX They never reached out to me. I had no idea this happened.When I reached out to customer service they told me " You have to wait for a call from our Collection team or call XXXX  and ask for the collection agency that will collect the debt. '' I asked how long do i have to " wait '' for the bank to call me and was told " We can't provide you a time or day when you'll receive a call. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been having major issue with XXXX and Wells Fargo. A few months ago, when XXXX was working fine on my Wells Fargo account, my sister tried to send me money through XXXX. I received an email from XXXX and Wells Fargo stating they detected something suspicious and suspended my use of the service. When I tried to sign up again, I received a message on the web bank stating I had been disenrolled from XXXX Pay on Wells Fargo. Around XXXX, XXXX came back online, and I have been attempting to enroll with a new email address that has never been used by other banks. However, I receive a message saying, " Sorry, we can not enroll with this email address. '' I also tried my phone number with the same result. I contacted Wells Fargo, and they informed me that XXXX must resolve the issue as they can not. I reached out to XXXX and XXXX XXXX XXXX, the owner of XXXX, who stated that the Wells Fargo team must address the problem as XXXX does not have access to my web banking.

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX payt due was XXXX I asked could I use the XXXX points I accursed which took 3 years turn into XXXX cash an XXXX from checking total XXXX next day was charged late fee, I've called Chase 12 times since every time get different story we have never been late for e years now will not resolve even tho on website says you can redeem oints for cash, payments or purchase now says I'm 2 months due horrible service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
TO WHOM IT MAY C0NCERN identity Theft Report I am reporting that a fraudulent account was opened with The following accounts are fraudulent and must be removed from my credit report 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 non-monetary relief
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
TO WHOM IT MAY C0NCERN identity Theft Report I am reporting that a fraudulent account was opened with The following accounts are fraudulent and must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The inaccuracies reflected on my credit report are seriously affecting multiple areas of my life, and its deeply frustrating that my prior efforts to correct them have been consistently ignored. This disregard is a direct violation of my rights under the Fair Credit Reporting Act.

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