vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: PA

Complaint narrative:
I have been a victim of Identity theft and the following items on my report do not belong to me. I am writing to formally demand the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report in strict accordance with federal law. Under the Fair Credit Reporting Act ( FCRA ), and other applicable statutes, I possess the undeniable right to maintain an accurate credit report and to challenge any entries that fail to meet the standards of validity and proper verification XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
I received this {$100.00} Visa gift card for my birthday and I used it a little and suddenly it was declined everywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: MD

Complaint narrative:
On XX/XX/scrub> 2025,

I received an email from Upgrade notifying me that my checking account had been suspended without warning. At the time, my account contained {$2400.00}. I was given no explanation for the suspension and was told by customer service that no action was required on my part and that I would receive an update within 90 days. Since that time, my direct deposit has posted to the account, bringing my current balance to {$5700.00}. I now have no access to any of my funds to pay for bills, groceries, utilities, and other essential living expenses. This is my only source of available income, and the continued hold is creating severe and immediate financial hardship.

The only unusual activity that occurred before the suspension was that I initiated two wire transfers to myself on consecutive days. Both transactions were fully verified and confirmed as authorized by me. Despite this, Upgrade has continued to hold 100 % of my balance without providing a reason or a specific resolution timeline.

I believe this indefinite hold on my account and failure to provide access to my own funds may constitute violations of federal consumer protection laws, including : Regulation CC ( 12 CFR Part 229 ) which establishes maximum permissible hold periods for deposited funds.

Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 et seq. ) which protects consumers rights to access their accounts and funds in a timely manner.

I have repeatedly requested an expedited review or at least a partial release of my funds, but Upgrade has refused. They have stated only that my case has been escalated but will not provide a timeline for resolution.

I am requesting that the CFPB assist in ensuring Upgrade either : 1. Provides a clear and specific explanation for the suspension and a definitive resolution date ; or 2. Releases my funds immediately so I can meet basic living expenses while their review is ongoing.

Every day this account remains frozen puts me at risk of debt, utility shutoffs, and inability to purchase food. This is not a minor inconvenience it is an immediate threat to my livelihood. I am urgently requesting the CFPBs intervention to ensure I regain access to my own money without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
I am sending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Put dispute to get funds back after fraud on my account but it was denied after evidence provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
On XX/XX/scrub> 2025, I was alerted to 10 different medical collection accounts from XXXX XXXX XXXX appearing on my credit report. Each account shows an opened date of XX/XX/year>2025, with the following reported amounts : {$920.00}, {$820.00}, {$820.00}, {$800.00}, {$790.00}, {$710.00}, {$710.00}, {$710.00}, {$630.00}, and {$560.00}.

I called them the same day to let them know that I have never received any written communication from XXXX XXXX XXXX regarding these debts prior to their placement on my credit report. The
customer service representative " Art '' did not state that XXXX XXXX XXXX would mail out letters verifying debt. Instead he said I could dispute it. The issue is I was not provided the required written validation notice within five ( 5 ) days of any alleged initial contact, as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). He did confirm that XXXX XXXX XXXX has the correct address and information for me so there's no reason this should have happened. I have USPS Informed Delivery and can go back years to verify my delivered mail.

Because I was never given the opportunity to verify, dispute, or request validation before reporting, I believe these accounts are being reported in violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). I am requesting that Wakefield & Associates provide full validation for EACH of the 10 accounts within 30 days.

Remove ALL the accounts from ALL credit reporting agencies ( XXXX XXXX XXXX ) until I receive written communication from XXXX XXXX XXXX verifying the debt. I NEVER RECEIVED THIS!!! Once I receive this written communication I will be able to fairly respond as the law mandates I should be able to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
USC 1681g stipulates the removal of these falsely reported accounts within 15 days.

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 2025-08-14 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: EQUIFAX, INC.
State: ID

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NC

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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: TX

Complaint narrative:
Opened US Bank Business checking account with the promotion that deposit and keep {$5000.00} for 60 days and have a cash back bonus. another qualification- have 10 transactions. Every thing was done. But when i expected cash back bonus - I was first told that even when they are going to review beyond 60 days - I need to keep {$5000.00} as balance. 
I asked to talk to the supervisor and then talked to XXXX. This time- she told me a different reason that I already took this promotion in the last 12 months ( without telling me when ) so i won't be getting this promotion even when i met all the conditions. I told that when i was opening this account - I called us bank and explicitly asked for this promotion and terms and conditions and then opened this 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AmeriCollect
State: MI

Complaint narrative:
Hello, A few months ago I was contacted by a debt collector. The place charging me had the incorrect address so they could not figure out how to contact me. I did not know what the charge was from so I did research to figure it out. Afterwards I reached out to the place that charged me because I felt I had been overcharged. This was a very back and forth process where I was contacting the place ( a doctor ) and the debt collector for a few months to sort it out. Once I realized it was impacting my credit score, I just paid the bill. As you can imagine, this process impacted my credit score greatly. 
I am very responsible with paying off my credit each month and feel that I handled this situation the best I could but still got punished in the end. I do not believe it is fair for this to impact my credit score given that the doctor didnt just call or email me to receive payment. It should not have taken so long for this charge to be presented to me and I should not be punished for debt I wasnt even aware of. 
Because of this I am hoping someone can help in reversing the impacts on my credit score. 
Thank you so much in advance for your time and assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing a fraudulent account appearing on my credit report that I did not authorize, open, or have any connection to. The reporting of this account is entirely inaccurate and is causing significant harm to my credit standing and financial reputation.

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 2025-08-14 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: MS

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have filed numerous disputes with equifax. Equifax is refusing to delete information I have requested stating that info has been verified. XXXXXXXX XXXX XXXX  have deleted the information but Equifax is failing to follow suit by not deleting the information. XXXX  has verified the information and deemed it as not been mines. Under the FCRA guidelines if one bureau delete an item, by law the others has to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-14 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-14 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute incorrect personal information that appears in my file maintained by your organization. I recently reviewed my report and found the following inaccurate details : Wrong Date of Birth Wrong Telephone number Wrong Address Wrong Employer Name Misspelled Previous Addresses : Never lived there

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 2025-08-14 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: IN

Complaint narrative:
I have an account for a home improvement loan ( it was a line of credit with NO collateral and I have documentation showing that ) that is on my Experian report. XXXX  and XXXX  are reporting the account correctly, but Experian is showing it as the account type being a MORTGAGE, which it is NOT. I have verified this with the creditor who provided that they are only reporting it as a home improvement loan to all 3 credit bureaus and they are unsure why Experian is showing it as that. All of the account info is correct BESIDES that it is a mortgage. This is preventing me from obtaining a mortgage and will prevent the process for 2 more years as we have to wait 4 years from the time a mortgage is in default to get a new mortgage, but THIS IS NOT A MORTGAGE ACCOUNT. I disputed the information on my credit report, and the information stay the same and the dispute was declined. This needs to be corrected by Experian.

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 2025-08-14 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief