vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 explanation
Consumer complaint received 2025-12-27 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: MD

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-12-27 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: WA

Complaint narrative:
I am disputing Transunions 's failure to conduct a reasonable reinvestigation of the XXXX XXXX XXXX account ( Acct ending in XXXX ). 

In CFPB XXXX # XXXX, the furnisher ( XXXX XXXX XXXX ) admitted in writing that they received my dispute on XX/XX/year>. They also admitted they did not mail validation until XX/XX/year>. However, my XXXX report shows they updated the account on XX/XX/year>. 

This update constitutes illegal 'continued collection ' under 15 U.S.C . 1692g ( b ). Since the collector updated the account while it was legally 'unvalidated, ' XXXX  could not have possibly 'verified ' accurate data during their reinvestigation. I demand immediate deletion of this inaccurate and illegally reported information per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

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 2025-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Access Loan Services Inc.
State: AR

Complaint narrative:
XXXX XXXX was one school i went to and someone stole my loans from me and was not attending the school which wasn't my fault the school paid out the disbursement to them and I have to pay back and it's not right that they haven't repayed to me the amount that's owed to me. XXXX XXXX my XXXX XXXX  and other people are the one 's getting this money along with Student Aid Advisor getting there cut from this fraudulent scam there running on me and who else.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
Company ( First National Collection Bureau , Inc ) has contacted me via my work email on XX/XX/year>, XX/XX/year>, and XX/XX/year> claiming I owe a debt of XXXX. My name is XXXX XXXX XXXX, the debt is allegedly owed by XXXX XXXX XXXX. 

Here is the email in full : Hi XXXX A XXXX, First National Collection Bureau , Inc. wants to help you resolve your delinquent account placed with our office by XXXX XXXX XXXX XXXX XXXX the current owner of your XXXX XXXX, XXXX, account with a current balance of {$440.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was being overcharge for the rental company, I used Wells Fargo credit card to pay for the application fee for XXXX XXXX of {$370.00}, they promised to refund if the application is rejected, I was not approved by them and refund should be returned within 30 days. I did not receive the refund in 30 days so I decided to ask my bank to step in, I disputed the charge on XX/XX/year> claim # XXXX. And on XX/XX/year> I received a letter from Wells Fargo that they unable to obtain a refund because merchant submitted documents and {$370.00} was rebilled back to my account. 
I didnt receive ANY communication during the whole dispute process and didnt give a chance to submit my side of the support documents which I should receive the refund. Wells Fargo just closed the case without give me a chance to dispute. So I called them on XX/XX/XXXX to reopen the case and sent them the support documents, on XX/XX/year> they closed the case and refunded me {$270.00} from {$370.00}. I contacted them again before I found out the documents that merchant that sent indicated the application fees was {$65.00} but I was charged for {$100.00} so the number doesnt match and I would like the {$35.00} different back to my credit card account. Wells fargo refused to help me open the case again and didnt explain why they favored the merchant in the first place. XXXX replied to my googles review saying the refund process was processed on XX/XX/year> which I never received.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am a victim of identity theft. Chex Systems , Inc. ( ChexSystems ) is maintaining, reporting, and/or disseminating fraudulent consumer file information associated with my personal identifying information for accounts and activity that I did not authorize, open, or benefit from. 

I provided ChexSystems with formal written notice of identity theft and demanded that all identity-theft-related data be immediately blocked and deleted as required by federal law. ChexSystems failed to comply and instead continued to retain and/or furnish the disputed information. 

Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), once a consumer reports identity theft, a consumer reporting agency must block the reporting of that information. ChexSystems does not have discretion to reinvestigate, verify, or continue reporting identity-theft-related data.

ChexSystems actions constitute the following violations : 15 U.S.C. 1681c-2 ( a ) Failure to block identity-theft-related information 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) Improper handling of disputes involving identity theft 15 U.S.C. 1681n & 1681o Willful and/or negligent noncompliance As a result of ChexSystems unlawful conduct, I have suffered banking denials, reputational harm, and ongoing financial injury

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 2025-12-27 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: GA

Complaint narrative:
I am filing this complaint to dispute inaccurate, unverifiable, and unauthorized information appearing on my credit report. Several accounts, a credit inquiry listed below are either not associated with me, reported inaccurately, or can not be properly verified, in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} Reported : Late Payment I dispute the accuracy of the late payment history being reported. Equifax has not provided any competent evidence or documentation proving that the reported delinquency is accurate. 
1681e ( b ) Failure to maintain maximum possible accuracy 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation Correct or update the late payment history to reflect accurate information only. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} Status : Charge Off I have no knowledge of this account, and Equifax has failed to provide any legally sufficient verification establishing my responsibility. 
1681b No permissible purpose 1681e ( b ) Inaccurate and unverifiable reporting 1681i ( a ) Failure to properly verify Require immediate deletion. 

XXXX. XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Status : Charge Off This account is unrecognized and unverifiable, and no documentation has been produced to validate it. 
1681a ( 5 ) Incomplete information 1681e ( b ) 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable data Immediately delete this account. 

XXXX. XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Status : Charge Off Despite repeated disputes, this account remains unverified. 
FCRA Violations : 1681e ( b ) Inaccurate reporting 1681i ( a ) Inadequate reinvestigation Require immediate removal. 

XXXX. XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Status : Charge Off I have no knowledge of this account, and Equifax has failed to meet its burden of verification. 
1681s-2 1681e ( b ) Reporting information without verification Immediately delete from my credit file. 

XXXX XXXX XXXX XXXXXXXX Inquiry dated XX/XX/XXXX I did not authorize this inquiry and have no knowledge of any permissible purpose for it. 
1681b ( a ) No permissible purpose 1681e ( b ) Inaccurate reporting Require immediate deletion of this unauthorized inquiry. 

I request a full reinvestigation under the FCRA. Any item that can not be fully verified with proper documentation must be corrected or permanently deleted. Continued reporting of these errors is causing financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX $ was fooling out my account n they still wont give it bck i just want my money my bby got XXXX plz

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: KY

Complaint narrative:
I submitted multiple written disputes to the credit reporting agencies requesting investigation, validation, and verification of inaccurate information appearing on my credit report. Despite these disputes, I did not receive proper responses, and there has been no correction, deletion, or verification of the inaccurate information being reported across multiple data fields. 

Several accounts continue to report inconsistently across the three credit bureaus, with some accounts being deleted by one bureau while remaining on others without explanation or supporting documentation. This reflects a failure to ensure maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

Additionally, my credit report contains unauthorized credit inquiries that I did not initiate or approve. These inquiries remain unverified and have not been removed despite being formally disputed. 

Due to the lack of response and failure to properly investigate, I recently submitted additional Metro 2-compliant dispute letters requesting immediate verification or removal of the inaccurate accounts and unauthorized inquiries. To date, the inaccurate information remains unchanged. 

I am requesting regulatory assistance to ensure these accounts and inquiries are either properly verified with supporting documentation or permanently removed in compliance with federal law.

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 2025-12-27 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: KY

Complaint narrative:
I submitted multiple written disputes to the credit reporting agencies requesting investigation, validation, and verification of inaccurate information appearing on my credit report. Despite these disputes, I did not receive proper responses, and there has been no correction, deletion, or verification of the inaccurate information being reported across multiple data fields. 

Several accounts continue to report inconsistently across the three credit bureaus, with some accounts being deleted by one bureau while remaining on others without explanation or supporting documentation. This reflects a failure to ensure maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

Additionally, my credit report contains unauthorized credit inquiries that I did not initiate or approve. These inquiries remain unverified and have not been removed despite being formally disputed. 

Due to the lack of response and failure to properly investigate, I recently submitted additional Metro 2-compliant dispute letters requesting immediate verification or removal of the inaccurate accounts and unauthorized inquiries. To date, the inaccurate information remains unchanged. 

I am requesting regulatory assistance to ensure these accounts and inquiries are either properly verified with supporting documentation or permanently removed in compliance with federal law.

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 2025-12-27 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: CA

Complaint narrative:
Unauthorized XXXX XXXX access On XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX accessed my EXPERIAN Credit File Despite the file being locked. XXXX XXXX XXXX XXXX bypassed security protocols to perform a Hard pull without valid " thaw '' or permissible purpose violating 15 USC 1681b. Furnishing inaccurate information is Aggravated Identity Theft under 18 USC 1028A Experian and XXXX XXXX XXXX XXXX is label and willfully participating of federal violation and crime knowingly. This is a noticed of Demand to remove XXXX XXXX XXXX XXXX immediate. Without Prejudice, Without Recourse/ Reserve All rights by : 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 2025-12-27 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/year>, I had an appointment with XXXX XXXX photos. They called me XXXX hour before my appointment and told me they could NOT take my pet photos at XXXX. They said they could move them to the end of the day at XXXX. I said I already gave my cats their calming medicine and it would wear off by then ; let me check. I called back XXXX minutes later and said that would NOT work. The receptionist said they had to charge me a {$25.00} cancellation fee for giving them less than a XXXX hour notice. I explained to her that they called me and canceled with less than an hour window for my scheduled appointment. I was just calling to tell her the one that they wanted to reschedule me in wouldnt work. She instantly charged my card and would not allow me to talk to a XXXX or anyone higher up. She stated they were no longer in the store. They were at the other location. I tried calling the other location a few times but no one answered. I just dont understand how Citi card could find me responsible for this and state The services or merchandise were provided, therefore, we're unable to support the billing error dispute as the reason.

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
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
My account with Cashapp was hacked and the pin number, bank info was changed there were also transactions I was unaware of and did not authorize on the account. Cashapp shut down the account and banned my phone from being allowed to make any new accounts. Only thing not changed on the account was my email and legal name. I have called and appealed this with Cahsapp 6 times and every time they give me a different reason on why the account was closed.They refuse to work with me and causeing my online work to suffer and close

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation