vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
At the time I signed the agreement, the store representative never verbally explained that the total repayment amount would be {$2200.00}, nor did they mention that the effective interest rate ( APR ) was 465.02 %. The only thing the employee emphasized was : There are no penalties if you pay early, and You just pay back what you borrow plus a little interest.

Because of this, I reasonably believed I would repay approximately {$800.00} {$900.00} total ( the {$600.00} I received plus a modest amount of interest ). I was never told that an additional {$1500.00} XXXX  fee would be added and that I would be responsible for repaying more than three and a half times the amount I actually received. 
I have since made a payments off XXXX believing I was simply paying down a normal small loan. I now understand that the disclosures were structured in a way that intentionally concealed the true cost of credit. The 465.02 % APR and the {$1500.00} prepaid finance charge were buried in fine print and were never highlighted or explained to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: VA

Complaint narrative:
I had Cash Appfor some time and used it to pay bills and shop online and they closed my acct with {$250.00} in it. It took an act of XXXX and the threat of the law to get my money and the refuse to tell me WHY I got my got closed, other than against community standards and inDID NOTHING WRONG, My XXXX had actually got hacked and I wonder if it was THEM. I also dont have my card number bc the app wont let me in and I had requested a new card 3 days before they close my acct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
Charged Off Accounts XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Reported : XX/XX/year> Balance : {$21000.00} Inquiries ( No inquiries listed ) Late Payments XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
Dear XXXX, I am writing to dispute multiple entries on my TransUnion credit report, as I believe they are inaccurate and may be in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I am concerned that some of these inaccuracies may have resulted from a data breach. Please investigate the following discrepancies and provide me with a corrected credit report. 
Below are the accounts I am disputing : XXXX. XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Open Balance : {$930.00} Dispute Reason : This account is reported as a Collection or Charge Off, and the balance does not align with the payment history. I dispute this account 's reported status as it is inconsistent with the actual terms of the account, violating the FCRAs requirement for accuracy in credit reporting.

Data Breach Concern : I am concerned that my personal data may have been compromised, leading to this incorrect reporting. Please confirm the security of my account and whether any unauthorized access has occurred. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Open Balance : {$830.00} Dispute Reason : The account is inaccurately marked as Collection or Charge Off, and the payment history does not reflect the true status of the account. Under the FCRA, all reported information must be accurate, and I dispute the status and reported balance. 
Data Breach Concern : I am concerned that a potential data breach may have led to these inaccuracies. Please investigate and confirm whether unauthorized access to my personal information has occurred.

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 2025-11-24 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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 a consumer reviewing my Experian credit report and I am disputing the following items that appear to be inaccurate, incomplete, or unverifiable. I am requesting a full reinvestigation under the FCRA as these items do not reflect my true credit history.

CHARGED OFF ACCOUNTS XXXX XXXX XXXX Acct : XXXX XXXX : XX/XX/XXXX Balance : XXXX This account is being reported as charged off, yet the information appears incomplete and inconsistent across bureaus. I am requesting validation and correction or removal if it can not be verified.

INQUIRIES The following inquiries were not authorized by me : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove any inquiries that can not be verified as initiated by me. 

LATE PAYMENTS The following payment histories are inaccurate and do not reflect any late payments on my part : XXXX XXXX XXXX XXXX XXXXXXXX Please correct or delete these inaccurate late payment entries.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-24 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX I am try to open bank XXXX XXXX bank acount but not open and I am receive the latter you can open bank acount but bank say me who is this XXXX  the check your bank acount first of all am not open how I am XXXX the check I dont know who is XXXX  guy I dont know whos is this I am start work in ups and I am bank account for direct XXXX for I need bank account XXXX  soon possible

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please provide validating documents. The date of last activity is reporting differently among all 3 reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
According to USC 15 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with the credit bureaus and its coming back verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the original contract bearing my signature and explanation of the amount and how it was calculated.

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 2025-11-24 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: Block, Inc.
State: MS

Complaint narrative:
On Thursday XXXX XXXX my cash app card was charged {$32.00} my card was locked and cash app allowed the transaction to go through this is the first time a transaction was completed while my card was locked as i stated with cash app customer service this was unacceptable i have had an issue with cash app before for unauthorized transaction and they treated me like there was nothing they could do about same with this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NY

Complaint narrative:
I am requesting a reinvestigation of the following information reported on my Experian credit file. Some of these entries are reporting inconsistent balances, dates, or incomplete information. Under the FCRA, only accurate and fully verifiable data should remain on my report.

CHARGED OFF Items in Dispute XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX These accounts appear to contain discrepancies and require verification.

INQUIRIES Items in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries may be unauthorized or inaccurate and require validation.

POSITIVE ( No positive items listed for dispute ) LATE PAYMENTS Items in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TransferWise Ltd

Complaint narrative:
Wise bank is blocking me the access to my bank account. Their justification is the need to verify my identity exclusively via XXXX 
They deliberately deny to provide the code for the 2-step factor authentication in the modality that I have been requesting it through the entire XXXX ( which is via XXXX ). 

Furthermore, I reiterated that I am using the same laptop device and the same XXXX XXXX I regularly use to access my bank account since XX/XX/XXXX. 
I have been in contact with Wise 's customer service on XX/XX/XXXX, for which I used the same email address I have been using with them since XXXX. It is the same email address used for my registration in Wise. 

Nonetheless, in their responses there is an evident refusal to acknowledge that my identity is confirmed and a consistent rejection of my supportive information. 

On XX/XX/XXXX, as a 2-step factor authentication, I have opted to receive the code through XXXX, code that never arrived. I have opted for this mode the entire XXXX without any inconvenience. 

They now disclose an information that I do not recognize, which consist in having chosen the XXXX  as my preferred 2-step factor authentication. I clarified that this information does not match with my factual choices. The few times they asked for this codes, I have been opting for XXXX code during the entire XXXX. 

On XX/XX/XXXX I made a change of telephone device and I explained that they do not allow to link this new device because they do not send the code through XXXX. 

However, having maintained access to my XXXX number, email address, laptop device, and XXXX XXXX, I assumed that any access issue could be resolved easily in a couple of days. Instead, since XX/XX/XXXX their systems refuse to validate my identity and to provide the adequate solutions to be granted access. 

I make this complaint because despite reiterating that I can not receive XXXX from their responses you can observe the null interest in resolving this problem. On the contrary, they continue repeating how to change my settings ( for which I would need to be logged in ). 

After having told them that if their next response will not provide a solution, I will file a complaint, they responded twice, maintaining the same line where they invite me to access to my account to make changes. 
Therefore, I am officially making this complaint to get access to my funds and ultimately close this bank account. 


Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-24 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: NC

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
XXXX  XXXX XXXX  CREDIT CARD STATEMENT\nAccount Number XXXX XXXX XXXX\nPlease delete account entirely'

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 2025-11-24 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: GA

Complaint narrative:
XXXX  XXXX XXXX  CREDIT CARD STATEMENT\nAccount Number XXXX XXXX XXXX\nPlease delete account entirely'

Company response to consumer: Closed with non-monetary relief