vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 non-monetary relief
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-07-23 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 non-monetary relief
Consumer complaint received 2025-07-23 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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, Cash App closed my account with no warning or clear explanation. I received a message stating that my account had been deactivated due to gambling or other activity that goes against their Terms of Service. I do not engage in gambling of any kind, and no such activity occurred on my account. 

I reached out multiple times requesting specific details on what policy I allegedly violated or what transaction triggered the closure. Instead of a clear answer, I received generic responses pointing me to their general Terms of Service with no direct explanation or supporting documentation.

My transaction history includes : A {$40.00} personal payment to a family member XXXX purchases via XXXXXXXX XXXX A declined {$53.00} transaction due to insufficient funds A sponsorship payment for my daughter that was canceled prior to the account being closed No suspicious, illegal, or gambling-related transactions were ever made. 

After my request for answers, I received an email from an agent named XXXX, who claimed the case was resolved. I replied immediately expressing that I was not satisfied and intended to escalate. Instead of addressing that message, my case was abruptly closed, and I was told Id need to start over. Since then, Ive also been blocked from opening a new Cash App account, with no justification. 

This account closure has disrupted my daily life, including the inability to make necessary payments because my bank does not support XXXX. I am requesting a full investigation, documentation of the alleged violation, and the opportunity to have my account reinstated or a path to create a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A.
State: FL

Complaint narrative:
We fell behind on our loan because of loss of job. They said our only option was to do a modification so we submitted them but never came to a solution. I now have a salaried position and recently submitted another request and they refused saying they only look at XXXX XXXX per household. Now we need to pay in full by XX/XX/XXXX PNC Bank wants us to pay a full lump sum of $ XXXX on past due balance. 

We have requested a modification and they have reviewed XXXX but I still wasnt able to land a full time career that I now currently have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
Experian, Equifax and TransUnion has allowed this scam of a company by the name of XXXX XXXX XXXX report a account on my credit file that I know nothing about. I called them and was hung up on several times. If this account is not removed there will be a problem. I never had any dealing with this company. I read online this scamming company just reporting anything to everyone 's credit file. Why hadn't Experian, Equifax and TransUnion request verifying information from this scamming company. They are damaging my credit file I never received anything in the mail from this company nor signed any type of agreements or contracts. I never received a debt validation letter or anything. This company can not just report an account that's not associated with me to my credit file. I will sue everyone for allowing this company to report this account. This is a violation 15 USC 1692g states this debt must be validated and verified. This company should be shut down for hurting consumers credit file.i want this account removed asap

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 2025-07-22 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:
Experian, Equifax and TransUnion has allowed this scam of a company by the name of XXXX XXXX XXXX report a account on my credit file that I know nothing about. I called them and was hung up on several times. If this account is not removed there will be a problem. I never had any dealing with this company. I read online this scamming company just reporting anything to everyone 's credit file. Why hadn't Experian, Equifax and TransUnion request verifying information from this scamming company. They are damaging my credit file I never received anything in the mail from this company nor signed any type of agreements or contracts. I never received a debt validation letter or anything. This company can not just report an account that's not associated with me to my credit file. I will sue everyone for allowing this company to report this account. This is a violation 15 USC 1692g states this debt must be validated and verified. This company should be shut down for hurting consumers credit file.i want this account removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX IL, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ Equifax Information Services LLC ] [ XXXX XXXXXXXX XXXX ] [ XXXX, GA XXXX ] Subject : Dispute Regarding Reinsertion of Negative Item on Credit Report 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) Dear [ Equifax Information Services LLC ] , I am writing to formally dispute the reinsertion of a negative item on my credit report. As outlined in 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), once a negative item has been deleted from a consumer 's credit report as a result of a dispute, it can not be reinserted unless the credit bureau has received verification of the accuracy of the information, and the consumer is notified within a reasonable time. I have recently noticed that a previously deleted negative item has reappeared on my credit report. The details of the account in question are as follows : Account Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/XXXX ], Account Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/XXXX ], Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/XXXX ], Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/XXXX ], Account Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/XXXX ], Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/XXXX ], Account Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/XXXX ], Account Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/XXXX ], Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/XXXX ], Account Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/XXXX ] I request that you provide documentation verifying that the negative information was properly reinserted in accordance with the requirements of 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), including a detailed explanation of how this item was verified and whether I was notified prior to the reinsertion. If such documentation can not be provided, I expect that the item will be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act, I also request that you inform me of your findings within XXXX days of receiving this letter. If you fail to provide the necessary documentation or reinstate the deletion of the item, I will be forced to take further action to protect my rights. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Credit Wise Profile is showing that I have 7 accounts that are past due over 60 days, and these accounts have been already discharged in the Bankruptcy in XX/XX/year>. These accounts should be removed from my Profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: AZ

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
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see 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 explanation
Consumer complaint received 2025-07-22 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I received an unsolicited Wells Fargo debit card in the mail between XX/XX/year> and XX/XX/year>. After opening the mail piece, I called Wells Fargo to report the unsolicited debit card and I was directed to the Identity Theft Department. The representative told me that he would close the debit card and place a hard hold on the account that had been recently opened without my knowledge. I asked if there was any activity on the account and he stated that he would not be able to give me that information. I was told that the Wells Fargo Identity Theft Research Team would be doing an investigation and would contact me with their findings.

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 2025-07-23 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-23 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: AZ

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 explanation
Consumer complaint received 2025-07-22 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: AL

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