vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NC

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 explanation
Consumer complaint received 2025-06-09 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: MI

Complaint narrative:
NEW NOTES FOR XXXX : In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC 1692g ACCOUNTS : REPUBLIC/NC Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-09 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: NY

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 explanation
Consumer complaint received 2025-06-09 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-06-09 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 non-monetary relief
Consumer complaint received 2025-06-09 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 am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within XXXX  days, it must be deleted immediately from my credit 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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sunbit, Inc.
State: AL

Complaint narrative:
The company name is Sunbit I negotiated a settlement with them and the settlement was paid. I called to get a letter stating I paid off the balance and they are saying they used the money that I sent for a settlement as just a normal payment. They said that they would resolve the issue but nothing has been done at all. The settlement amount was XXXX paid on XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$64000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$81000.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: VA

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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I have repeatedly notified Experian of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of legal consumer rights ''

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 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: AZ

Complaint narrative:
I had never heard of AXOS bank until I received a statement from them. 
It is not an account I set up. I called to cancel the account but their system will not cancel over the phone. 

I do not want to set up an account with them on line and give them all of my personal information. I do not think it is legal for a bank to set up a checking account in my name with my address that I did not request or want. 
There is no money in the account but they are planning on charging me XXXX dollars every XXXX  days for a paper statement showing a XXXX balance and no activity. 

please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Since XX/XX/XXXX, false late payments have been reported across multiple closed and active accounts ( xxx with creditors xxx ), despite these accounts being on auto-pay. I submitted formal disputes on XX/XX/XXXX, and sent written letters. I have never received any documentation showing how these late payments were verified. Instead, the accounts were marked as verified within XXXX hours, clearly through XXXX an automated system that does not meet FCRA standards for a proper reinvestigation. 

This violates FCRA XXXX ( failure to reinvestigate disputed information ) and XXXX ( b ) ( failure to ensure maximum possible accuracy ). Some accounts were briefly corrected, then changed back to late again without explanation. This ongoing false reporting has damaged my on-time payment percentage, lowered my credit score, and caused denials for rental housing, auto loans, and credit opportunities. It is causing serious emotional distress, anxiety, and financial pressure. Ive been forced to delay life plans and make sacrifices because of inaccurate data that the credit bureaus refuse to properly correct. 

This is not a new issue. Credit bureaus have already been sued for the same behavior : XXXX XXXX TransUnion ( XXXX ) : {$18.00} XXXX verdict for failure to properly verify credit data White v. Experian ( XXXX ) : {$60.00} XXXX settlement over reinserted and inaccurate information XXXX XXXX Experian ( XXXX ) : {$750000.00} settlement for false verification of negative accounts XXXX XXXX Equifax ( XXXX ) : {$3.00} XXXX class action for failing to update or verify records XXXX XXXX TransUnion ( XXXX ) : Found liable for ignoring proper dispute procedures Younger v. Experian ( XXXX ) : Jury awarded damages for reinserting inaccurate items after deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: IL

Complaint narrative:
# # Timeline and key facts ( plain text, ready to copy-paste ) XXXX XX/XX/year> Email from XXXX  with subject Your account information has been changed. 
When I logged in, every virtual prepaid card had vanished ( about \ {$1000.00} total balance ). 
Multi-factor authentication was enabled ; I had made no changes. 

XXXX XX/XX/year> I opened support ticket XXXX. 
Sent screenshots of missing cards and listed the first unauthorized purchases ( \ {$50.00} and \ {$500.00} XXXX XXXX, posted XXXX XXXX XX/XX/year> ). 
This was well within the XXXX window for disputing prepaid-card errors. 

XXXX XX/XX/XXXX XXXX XXXX  I emailed the dispute team five times requesting status. 
Only reply : Under review. 
No provisional credit issued. 

XXXX XXXX XXXX  Company mailed a single \ {$50.00} physical XXXX. 
Activation fails with Card can not be validated. 
Had to create a new account because my original login no longer works. 

XXXX XX/XX/year> XXXX phone call with agent XXXX ( audio retained ). 
Reviewed each card together. 
Unauthorized charges total about \ {$840.00} across XXXX cards ( XXXX XXXX, XXXX XXXX XXXX XXXX, several\ {$3.00} {$40.00} micro-charges ). 
Authorized charges I confirmed : {$300.00} XXXX, {$250.00} Illinois XXXX, {$230.00} XXXX. 
XXXX said disputes were opened and that email forms would arrive within minutes. 
No forms ever arrived ; no credit issued. 

XXXX XX/XX/year> Dispute team emailed a denial : Transactions exceed 60 days. Case closed. 

XXXX XX/XX/year> I replied that the dispute was originally filed on XXXX XXXX, well inside 60 days. 

XXXX XX/XX/year> Company repeated the denial, again citing the XXXX limit. 

Actions I have taken Opened ticket XXXX and supplied all requested documents on XXXX XXXX. 
Followed up by email XXXX times ( XXXX ). 
XXXX XXXX minutes on the phone XXXX XXXX confirming each disputed charge. 
Responded immediately to both denial emails ( XXXX XXXX ). 

Actions by the company Removed access to all virtual cards ( \~\ {$1000.00} ). 
Issued an unusable \ {$50.00} replacement card. 
Promised but never sent dispute forms or investigation results. 
Denied reimbursement based on a XXXX rule despite my timely XXXX dispute. 

Current status I remain locked out of my original account, have received no provisional credit, and can not activate the {$50.00} card. I am seeking : 1. Reimbursement of the full lost balance ( about {$1000.00} ) less the three charges I acknowledged.

2. Activation or replacement of the {$50.00} card.

3. A written explanation of how my MFA-protected account was altered and why Regulation E timelines were not followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT 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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: NV

Complaint narrative:
This is a follow-up to a previous complaint I filed, but I am submitting this as a new complaint because the CFPB did not have complete company information, and I have now found contact details that may actually reach a real person. 

I requested a withdrawal of my funds from Blockchain.com, and the company has failed to release the money. They continue to claim there is a technical issue, but they have not fixed it, properly escalated it, or provided a valid explanation. My funds are still being withheld, and this is causing financial harm. 

I was told the issue had been escalated, but then the escalation team claimed my bank does not accept this type of deposit. This is incorrect my bank has accepted Blockchain.com deposits in the past, and when I contacted them directly, they confirmed they do accept these transfers. Blockchains response was inaccurate and feels like a deflection rather than a serious attempt to resolve the issue. 

XXXX of the biggest problems is that I can not get in touch with a real person. Every response has been automated or from a bot, and there is no reliable way to speak with someone directly. A company handling peoples money should not be allowed to operate with XXXX human customer service or accountability. 

I have since found additional contact details for Blockchain.com, which may help : Phone : XXXX Support email : support @ blockchain.com Legal counsel : XXXX Law enforcement contact : lawenforcement @ blockchain.com Despite all of this, I still have not received my funds or a legitimate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Deposited XXXX checks totalling XXXX  {$130000.00}. 
I was told a hold would be in effect till Monday XX/XX/XXXX. I said this was uncommon as I am a 30 year client and my level of banking typically allows this. Customer service at all levels is useless but I did manage to get smaller check released 5 days later ( {$22000.00} ) because I have medical issues. This know this because I have called the bank and credit card division with updates on my 2 year illness. They also see me go in with my federally registered service dog who needed XXXX big check up. ( $ cost more than I had in my account ). Both checks issued By XXXX XXXX XXXX XXXXXXXX XXXX. I spoke with Head teller, XXXX and eventually Branch manager XXXX .. they couldn't fix it and gave me a number to call Fraud dept?? Everybody was busy. I have emails and other communications from bank stating XXXX XXXX release. When reading I saw that an analyst had put that they couldn't verify check or that enough funds available to cash it!? New York life is the oldest strongest XXXX XXXX mutual company in the world. I'd this wasn't so stupid it would be funny. I've been on the phone today being transferred up promised phone calls that have never come. I did persist and get to a third level supervisor XXXX who stated that new date is the XXXX XXXX?? - Because somebody left a vmail from BofA to a XXXX agent re funds and that XXXX hadn't returned phone calls..?? She was XXXX ( I've been a client XXXX more years than she's been alive ) she had no clue what New York life but did think it was a health insurance company that paid people when they were sick. She had no clue that they were a huge XXXX services company and obviously none of the other idiots that flagged my account. I can't anybody who knows anything past what's on a screen to apply common sense to this and come with a solution. I'm sitting another that I refuse to deposit and am heading talk XXXX other banks to see what services they offer. This all looks bleak especially since all the cuts to Govt agencies ( no XXXX fan here ). It's like the banks know and taking advantage of this fact. BofA used to have good service it's now pathetic.

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 monetary relief