vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-04 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: GA

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-05 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: TX

Complaint narrative:
On XX/XX/XXXX cash app suspended my account after attempting to send a {$100.00} payment and gave me XXXX business days to submit an explanation, i did on the same day and was sent a message on XX/XX/XXXX at XXXX XXXX  that stated my account was being XXXX due to it violating their terms of service. I was told that I would be able to withdraw the funds from my account totaling {$100.00}, which upon trying, I was unable to. I messaged back the same day at XXXX XXXX. I called back the next day to ask for updates and it was said it had been escalated and I would receive an email response once it had been taken charge of by a support member. I waited 3 days and called back again after no response and was told it once again had been escalated. I called once more 4 days later to see how long it would be and was told there was no timeframe, that no one had accepted the case and I just had to wait. on XX/XX/XXXX that stated I would be taking further action in XXXX business days with the consumer financial protection bureau to no avail. I have yet to receive any response and therefore, have fulfilled my commitment to inform the appropriate agencies as to the infringement. I have worked with them for a total of XXXX weeks and received nothing other than being told to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I got a copy of my LexisNexis report and saw a chapter XXXX bankruptcy with attorney representing me. I was told this information came from pacer. I checked XXXX and there was a bankruptcy under my name but no attorney was found. Since this information isnt true I want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: OH

Complaint narrative:
hi, I locatd my identity theft on my report. How do I corect it? I reprted it to the FTC. Can u delete the items enclsed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: OH

Complaint narrative:
hi, I locatd my identity theft on my report. How do I corect it? I reprted it to the FTC. Can u delete the items enclsed.

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 2025-08-05 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-04 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: TX

Complaint narrative:
I am not responsible for these accounts, as I never applied for or approved them. Please remove them within 15 days under USC 1681g. Relevant proof is attached.The accounts listed are fraudulent and unauthorized. I request that they be removed from my credit report per USC 1681g within 15 days. Supporting documents are included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-04 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 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
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 explanation
Consumer complaint received 2025-08-04 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: MS

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Address Information on Credit Report Dear Equifax Dispute Department , I am writing to dispute and formally request the removal of multiple inaccurate addresses currently listed on my Equifax credit report. These addresses are not and have never been associated with me : 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 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 XXXXXXXX These listings are incorrect and may result in confusion or potential harm to my credit profile. I am requesting a thorough investigation under the Fair Credit Reporting Act ( FCRA ) and that these addresses be removed from my credit file immediately. 

Please confirm in writing when the investigation has been completed and provide an updated copy of my credit report reflecting the corrected address information. 

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the validity of the debt and foreclosure proceedings initiated by XXXX XXXX XXXX XXXX property located in Georgia. 

On XX/XX/XXXX, I received a foreclosure notice stating that a sale is scheduled for XX/XX/XXXX, related to a balloon second mortgage originating in XXXX when I first purchased my home. The loan matured in XXXX and was refinanced in XXXX through another mortgage company. 

Since that refinance, I have not received a single billing statement, payment request, or other communication regarding this loan for approximately 17 yearsnor any payment requestuntil XXXX, when XXXX XXXX contacted me alleging a {$17000.00} debt. At that time, I informed their office that I disputed the validity of the debt. 

I have reviewed documents from their office and noted that XXXX XXXX has a deed containing my original XXXX signature from when I purchased the home. I question how this is being used to claim authority over the alleged debt, given that the balloon loans were refinanced in XXXX and no lawful collection activity or billing occurred for well over a decade. 

Please review my case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
I am writing to formally dispute an inaccurate and incomplete account listed on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, referencing account # XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX  listed as the original creditor. This account is erroneously reported as a * * charge-off * *, which is damaging my creditworthiness. 

1. * * Incorrect Reporting * * The account does not meet XXXX XXXX compliance standards under * * FCRA 623 ( a ) ( 5 ) * * and * * Furnisher Rule 12 CFR 1022.42 * *.

2. * * No Valid Proof of Debt * * I have never received proper validation of this debt as required by * * FDCPA 809 * *. 
XXXX. * * Inaccurate Status * * The charge-off is misleading and does not reflect the true nature of this account. 

Pursuant to * * FCRA 611 ( a ) ( 1 ) ( A ) * *, I demand that : - XXXX XXXX XXXX XXXX * * immediately and permanently delete * * this account from all credit bureaus ( Experian, Equifax, TransUnion ). 
- The CFPB investigates this furnisher for * * non-compliance with XXXX XXXX reporting standards * *. 
- I receive written confirmation of deletion within XXXX XXXX XXXX XXXX XXXX XXXX of this 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 explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I previously filed a complaint ( CFPB # XXXX ) against The Bureaus XXXX XXXX for XXXX a disputed Capital One account with a balance of {$800.00} under Bureaus Investment Group Portfolio No. XXXX LLC. I am now filing again because : 1. The Bureaus, Inc. continues to furnish this tradeline without providing valid documentation of assignment from the trust.

2. The tradeline has been deleted and reinserted multiple times into my Equifax credit report without proper notice to me, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ).

3. Their debt validation response failed to show any signed agreement or clear chain of title proving ownership. No document links the original Capital One account to The Bureaus , Inc . They only sent a blank Affidavit of Forgery form and a generic Capital One credit card agreement, which is not proper validation under the FDCPA. 
4. My credit reports from XXXX and XX/XX/XXXX ( Equifax & IdentityIQ ) prove the account was deleted, then reinserted without notice. 
5. Their conduct is not only deceptive but abusive, and causes financial harm and credit denials. I already submitted a cease and desist and pre-arbitration notice.

This account is harming my reputation and creditworthiness and continues to appear despite disputes and removals. It is materially misleading, and The XXXX is not following required procedures under the FCRA and FDCPA. 

Equifax Credit Report ( XX/XX/XXXX ) showing account status IdentityIQ Report ( XX/XX/XXXX ) showing differences between bureaus Original CFPB Complaint ( XX/XX/XXXX ) The Bureaus response to validation ( XX/XX/XXXX ) Your Pre-Arbitration Notice ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
None of the accounts below belongs to me and I want them deleted nd blocked from my credit report. 

( XXXX XXXX XXXX ) Original creditor : XXXX XXXX Amount : {$660.00} Date : XX/XX/XXXX ( XXXX XXXX XXXX ) Original Creditor : XXXX XXXX XXXX  Amount : {$10000.00} Date : XXXX XXXX, XXXX And all inquiries are not authorized by me.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX issued the attached XXXX XXXX for XXXX XXXX lease account # XXXX, stating the balance is {$0.00} and any derogatory credit will be deleted. 
A tradeline for XXXX appeared on my TransUnion report tied to XXXX SSN and dropped my TU score XXXX points. 
Visually, the account now prints under Satisfactory Accounts with Pay Status Paid, Closed, but the hidden XXXX XXXX fields ( Portfolio Type / Compliance Condition Code ) still tag it as a collection, so the scoring model treats it as a major derogatory. 
XXXX internal record still lists my roommate ( XXXX XXXX XXXX as the account holder, so their reps say they cant correct the data for me. 
I disputed with TransUnion ; they closed the case claiming no derogatory marks, but the hidden collection code and score drop remain. 

Why its inaccurate / incomplete ( FCRA XXXX ) XXXX. The release letter instructs deletion of any derogatory credit. 


XXXX. The tradeline is tied to the wrong consumer ( only my XXXX reported ). 


XXXX. The underlying XXXX XXXX coding ( collection flag ) contradicts the paid/closed status shown to consumers, causing unjustified score damage.

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 2025-08-04 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: CA

Complaint narrative:
On XX/XX/XXXX I was notified by what it said chime fraud alert and then that same person contacted me and somehow was able to get a hold of my account close my credit card account close my savings account completely lock me out and wiped out my checking account for {$760.00} after the person hung up on me I called chime and found out it was a fraud and tried to file a complaint and chime has denied me twice now.

Company response to consumer: Closed with explanation