vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NJ

Complaint narrative:
I am writing to formally dispute the presence of an inaccurate address listed on my credit report from TransUnion. The address in question is : XXXX XXXX XXXX XXXX XXXX, FL XXXX This is not my address and has never been associated with me. I have no known or verified ties to this location. My current and correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The presence of this incorrect Florida address on my credit report is a cause for concern, as it could potentially be the result of a reporting error or a case of mixed or fraudulent file activity. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which mandates that consumer reporting agencies maintain accurate and verifiable 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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: OH

Complaint narrative:
I asked for a pay and delete and it was not honored its still on my credit 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 2025-07-18 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: OH

Complaint narrative:
I asked for a pay and delete and it was not honored its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I recently viewed a copy of my credit report and noticed multiple inaccurate fraudulent accounts and inquiries on my report due to the XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am filing this complaint regarding the ongoing presence of inaccurate personal identifiers on my credit file that are not associated with my identity and pose a risk of mixed credit file errors. 

My credit report currently shows : Misspelled name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX not my employers Old or unrelated addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  FCRA XXXX ( b ) mandates that reports maintain data only relevant to the individual and minimize inaccurate or outdated data. 

I have disputed this multiple times and received no relief. These identifiers do not match my application history or identity and may compromise my ability to obtain accurate credit offers.

Please ensure these personal identifiers are removed and the bureaus are held accountable for continued inclusion. 

Sincerely, XXXX XXXX XXXX : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Due to XXXX XXXX, my wife was involuntarily laid off. PNC bank had granted us a XXXX month forbearance, where the balance would be due at once. When it came closer we worked on a deferment and I was asked for several pieces of documentation, all of which I provided before the deadline. 
I have timestamped emails showing that I provided them on time. They then waited till the next day to review them, causing them to be late. It is NOT my fault that they didnt review them the day they were sent. 
This put me into a tailspin with them and they then began reporting me late every single month, even though I was told specifically by the person I spoke with not to make any payments, because they were going to set up a new payment schedule after going through a XXXX month trial plan. 

I have completed making the trial payments and they have worked out a loan modification that is starting in XXXX, and even though I was making payments they CONTINUED to report me as late. Currently my report is now showing that Im over XXXX days late, which is absolutely ridiculous as I have sent you XXXX payments for about {$1500.00} for the month of XXXX, XXXX and XXXX. 

As a result of this my and my wifes credit score have tumbled so badly that banks wont even consider giving us loans now. 
My credit cards have all had the limits lowered, which has further hurt my credit scores. And this is all because the people on their end, didnt do their jobs properly, and we are paying the price for it. 


All they have to do is remove those late payments from my credit. They dont lose anything, and we can start getting our lives back together by being able to secure the loans we need to improve our home, which we still have not finished rebuilding from the storm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
b'I sent a certified letter to Equifax on XXXX via USPS mail with a tracking number of XXXX XXXX XXXX XXXX XXXX XXXX  . The letter was delivered to Equifax in XXXX,GA on XXXX at XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. XXXX  ignored my request and I proceeded to send another letter on XXXX. They also ignored my 2nd letter. The accounts that were included in both letters were.\n\n1. XXXX XXXX the balance is XXXX and account number is  XXXX\n2. XXXX XXXX the balance is  XXXX and account number is  XXXX\n3. XXXX  the balance is   XXXX and account number is  XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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. Equifax, XXXX XXXX XXXX are governed by XXXX XXXX. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
I XXXX XXXX XXXX I, am a confirmed victim of * * multiple large-scale data breaches * *, including but not limited to : * Equifax XXXX XXXX XXXX XXXX, etc. ) * These breaches exposed my * * Social Security number, birth date, and financial information * *, leading directly to the fraudulent accounts listed below. * * XXXX. 
Fraudulent Accounts Linked to Data Breaches * * The following accounts were opened fraudulently using my stolen data and * * must be deleted per FCRA XXXX and Experian 's data breach victim policies * * : * * XXXX. Legal Basis for Removal * * * * A. FCRA XXXX ( 15 U.S.C. 
XXXX ) * * - Requires credit bureaus to * * block fraudulent information * * within XXXX  days of receiving : - An * * identity theft report * * ( FTC Case XXXX XXXX XXXXXXXX * * XXXX Experian 's Data Breach Victim Policy * * - Experian 's * * '' Victim of Identity Theft '' * * program mandates : - Immediate suppression of fraud-related accounts. - Free credit freezes for breach victims. * * XXXX FCRA XXXX ( a ) ( XXXX XXXX ) * * _ Accounts older than * * XXXX  years * * i am a confirmed victim of identity theft linked to major data breaches ( e.g., Equifax XXXX XXXX XXXX 
Under FCRA XXXX ( 15 U.S.C. XXXX ) i formally request the immediate removal and blocking of all fraudulent inaccurate in complete obsolete unverifiable accounts reporting in my name. These accounts were opened without my authorization using stolen personal information addition fraudulent, incomplete outdated obsolete and inaccurate fraudulent accounts are listed as follows : Dept of EdXXXX ( XXXX ), {$100000.00} XXXX XXXX XXXX ( XXXX ) XXXX {$500.00}, XXXX XXXX XXXX XXXX XXXXXXXX- ( XXXX ) XXXX {$400.00}, XXXX ( XXXX ) XXXX {$110.00}, XXXX ( XXXX ) XXXX {$100.00} XXXX  ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
I XXXX XXXX XXXX I, am a confirmed victim of * * multiple large-scale data breaches * *, including but not limited to : * Equifax XXXX XXXX XXXX XXXX, etc. ) * These breaches exposed my * * Social Security number, birth date, and financial information * *, leading directly to the fraudulent accounts listed below. * * XXXX. 
Fraudulent Accounts Linked to Data Breaches * * The following accounts were opened fraudulently using my stolen data and * * must be deleted per FCRA XXXX and Experian 's data breach victim policies * * : * * XXXX. Legal Basis for Removal * * * * A. FCRA XXXX ( 15 U.S.C. 
XXXX ) * * - Requires credit bureaus to * * block fraudulent information * * within XXXX  days of receiving : - An * * identity theft report * * ( FTC Case XXXX XXXX XXXXXXXX * * XXXX Experian 's Data Breach Victim Policy * * - Experian 's * * '' Victim of Identity Theft '' * * program mandates : - Immediate suppression of fraud-related accounts. - Free credit freezes for breach victims. * * XXXX FCRA XXXX ( a ) ( XXXX XXXX ) * * _ Accounts older than * * XXXX  years * * i am a confirmed victim of identity theft linked to major data breaches ( e.g., Equifax XXXX XXXX XXXX 
Under FCRA XXXX ( 15 U.S.C. XXXX ) i formally request the immediate removal and blocking of all fraudulent inaccurate in complete obsolete unverifiable accounts reporting in my name. These accounts were opened without my authorization using stolen personal information addition fraudulent, incomplete outdated obsolete and inaccurate fraudulent accounts are listed as follows : Dept of EdXXXX ( XXXX ), {$100000.00} XXXX XXXX XXXX ( XXXX ) XXXX {$500.00}, XXXX XXXX XXXX XXXX XXXXXXXX- ( XXXX ) XXXX {$400.00}, XXXX ( XXXX ) XXXX {$110.00}, XXXX ( XXXX ) XXXX {$100.00} 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 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was scam out of money by a chime member name XXXX XXXX for {$970.00}. They were pretending to be a bail bondsman so I could get my daughter out of XXXX. I disputed the transaction once the police told me I was being scam. I got a police report and sent it to chime but they did nothing. This happens XXXX. So, a couple of days ago the same people reach out to me requesting {$550.00} so I called chime again asking how this member still an account with them after I told them what happen to me, they kept giving me the run around and finally they hang up on me and never call me back. I never got my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 2025-07-18 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 have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: VA

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 Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-18 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I attempted to use my Best Buy XX/XX/XXXXcard to make a purchase and use the promotional balance option for the purchase. I reached out to Best Buy XX/XX/XXXXdays prior to the end of the billing cycle, and they told me that if my payment was submitted by midnight then it would be applied to the same day it was received. I reiterated XXXX that means that it will apply to the balance, right? ' and they said yes, but when I made my payment shortly after XXXX PM after work they charged me the deferred interest anyway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: OH

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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