vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: NJ

Complaint narrative:
I have credit cards on my credit report and address that I did not authorize, and credit bureaus keeps reinserting accounts back on my credit report and not properly investigating, per 15USC Code 1681I, and 15USC Code 1681i ( a ) ( 5 ) ( B ). All these accounts were deleted from one of the credits bureaus ( XXXX  ) the same one that are being reinserted and saying verify on Equifax and XXXX, I will attached documents. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have exhausted my attempts to pay off this loan. I asked for the payoff letter and was told it was best for me to pay them using XXXX XXXX ( XXXX XXXX will not allow for $ XXXX to be paid ) when I call XXXX they claim it will take 6-8 months for me to have the title to my XXXX back. 
After seeing the negative reviews online, by other consumers, I am now concerned this company is scamming consumers who find themselves in difficult situations. I had medical bills to pay and needed the money. NOW i would like to pay this loan which was RIDICULOUSLY high in interest and they are making it impossible ( probably so they can continue to charge me high interest ) It is my hope to find help with this matter and end the practice of these horrific loan companies preying on those of us in difficult situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
I filled for Bankrupcy in XXXX of XXXX  all my debts were included in this filling the Judge granted my Bankrupcy and cleared me of all debts including my student loans. The XXXX XXXX XXXX XXXX 's have completely ignored this judgement and have never stopped trying to collect on these student loan debts. I get phone calls almost daily and emails daily from Aidvantage and at one time XXXX it was as well. I need this to stop, wrongfully trying to collect and reporting wrongfully to the credit bureaus. this has created health issues as well as financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
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 2025-05-30 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Synovus Bank
State: AL

Complaint narrative:
I wrote a check to XXXX XXXX XX/XX/XXXX to pay my auto insurance. Initially, it looked as if XXXX XXXX was paid. Synovus contacted XXXX XXXX and informed them that they ( synovus ) stopped payment for investigative purposes. The amount was {$500.00}. 

I wrote another check for {$5000.00} to a remodeling business on XX/XX/XXXX. The owner deposited it in his XXXX XXXX account. Initially, it appeared as if it was paid. Synovus immediately placed a stop on the check for investigative purposes.

Neither entity was ever paid and Synovus has refused to put the money put the money back into my account. The bank personnel has made excuses but the money has not been replaced. That is {$5500.00} that is missing from my account ( hard earned va XXXX account ). 

Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  Discharged.The following debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXXXXXX 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 2025-05-30 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: IL

Complaint narrative:
You guys just keep mis managing my account so im assuming you are mis marking my disputes. I am exercising my rights under the Fair Credit Reporting Act. Any attempt to label my dispute as frivolous or ignore my evidence violates FCRA 1681i ( a ) ( 3 ). You are required to perform a reasonable reinvestigation, not rely on automated responses or vague verifications ( XXXX v. TransUnion, XXXX XXXX XXXX ). 
Under 1681n & 1681o, I reserve the right to seek damages for any willful or negligent noncompliance. I do not waive my rights by alleged consent, including electronic signatures. Misuse of my data without specific written instruction violates 1681b and 604 ( a ) ( 2 ). 
I expect full compliance, deletion where due, and no contact beyond FCRA-permitted channels. This is not a requestits a demand supported by 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 2025-05-30 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: IL

Complaint narrative:
You guys just keep mis managing my account so im assuming you are mis marking my disputes. I am exercising my rights under the Fair Credit Reporting Act. Any attempt to label my dispute as frivolous or ignore my evidence violates FCRA 1681i ( a ) ( 3 ). You are required to perform a reasonable reinvestigation, not rely on automated responses or vague verifications ( XXXX v. TransUnion, XXXX XXXX XXXX ). 
Under 1681n & 1681o, I reserve the right to seek damages for any willful or negligent noncompliance. I do not waive my rights by alleged consent, including electronic signatures. Misuse of my data without specific written instruction violates 1681b and 604 ( a ) ( 2 ). 
I expect full compliance, deletion where due, and no contact beyond FCRA-permitted channels. This is not a requestits a demand supported by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my Experian credit report and found several inaccurate names, addresses, phone numbers, and accounts that do not belong to me. Some of the accounts may be the result of identity theft, and others are outdated or incorrect. I submitted a formal dispute to Experian, but they did not properly investigate or remove the inaccurate information. Im asking for the CFPBs help to make sure Experian corrects my credit report and removes all the false information.

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 2025-05-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
My children and I moved into this Apartment Community ( XXXX XXXX XXXX in XXXX, NC ). The night we were moving in, the downstairs neighbor ( who later admitted and apologized to me for their actions ) called in a noise complaint to the management and the police. As we were not violating quiet hours and were not making noise beyond simply moving into our new home, we didn't think much of it. My kids have two dogs, so they were instructed to walk the dogs when they got home from school. The management began sending me daily emails about my children 's misbehavior with picking up after the dogs. I knew they were, so I had my children begin taking pictures of dog waste in bags, yet the threats from management persisted for what I assume was retribution for the first complaint we had received. I finally had enough of the management 's malicious behavior against my children so I suggested that we part ways, and they agreed to end the lease so long as we had the residence professionally cleaned and would be out by the end of XXXX. We complied with the agreement. The management then continued to charge me, charged me in court with an eviction for a property I no longer resided in, and tried to enforce fines on me that I was not able to defend myself against because I did not know about them. 

They then rushed to pass off the debt to this collector ( Fair Collections and Outsourcing ) under two amounts. The collector called and asked what was owed, and I stated that I had paid XXXX, paid for the cleaning service that the management had said I needed to pay for, and repeatedly told management that I was leaving the mailbox key ( the door locks operated on a smart system controlled by management ) in the kitchen and left. They informed me that management was asking for over {$6000.00}. I told them I wanted a Statement detailing these charges. They agreed to send me one. I told them that I would email them ( which I did ) a receipt for the cleaners and emails from management confirming my testimony and asked for a receipt of that documentation. I never received that documentation. They obviously know the situation and they are trying to leave a stain on my credit history to make my life harder and my costs increase based on the allegations of a management company who has broken their commitments, lambasted my children, harassed my family, and driven us out of the town of XXXX, NC. All over the noise we made walking up stairs the night we moved in.

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 2025-05-30 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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 have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please 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 XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX CRED - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$540.00} Open Date XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX : {$940.00} Open Date XXXX XXXX, XXXX, XXXX XXXX Balance : {$140.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Balance {$1700.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Balance {$1600.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Balance {$71.00} Open Date XX/XX/XXXX Inquiries 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 2025-05-30 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: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Comnt is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. mission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complain FTC Report Number : Date XX/XX/XXXX XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CA

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 2025-05-30 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year> XXXX and wellfargo checked my credit without my permission on my XXXX  report

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 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was the victim of a scam involving a fraudulent check that was deposited into my bank account. The scammer then convinced me to use the funds to buy XXXX using Cash App. I authorized the transaction, not knowing the check was fake and the situation was fraudulent. The XXXX was sent to this wallet : XXXX. 

I contacted Cash App support and explained the situation, but they informed me they are unable to refund the transactioneven though this was part of a scam. Ive reported this fraud to the FTC and am requesting your help to escalate this issue and push for recovery or additional investigation. 

This incident has caused serious financial harm, and I acted in good faith without understanding it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IN

Complaint narrative:
My Cash App account was closed by the company they said due to Term 's and Conditions violations, that was in XXXX XXXX have tried countless times since then to find out what was done wrong to no avail. I have asked begged for the remaining balance in my account to be made withdraw able. They refuse to give me access to the account that THY REMOVED THE EMAIL TO. ALL I WANT IS MY MONEY I'VE WAITED OVER A YEAR! IVE CALLED SUPPORT, I'VE CHATTED WITH SUPPORT IVE EMAILED COUNTLESS TIMES BEGGING THESE PEOPLE TO RELEASE MY MONEY. THEY SIMPLY GIVE ME EXCUSE AFTER EXCUSE.PLEASE HELP ME.

Company response to consumer: Closed with explanation