vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: FL

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your 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 2025-11-02 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your 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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TapTap Send Inc.
State: MD

Complaint narrative:
I sent the money XX/XX/year> to my mothers usual bank account and it usually takes XXXX hours for the funds to be delivered. I have been using the service for 2 years and maybe XXXX months now and have no issues. It has been XXXX days and I have reached out to TapTap transfer service if can be refunded or can the method of delivery be changed since it is for bills/tuition fee for my kid and for my mom. I was just given written reassurance but nothing was done nor any updates given. They even told me that they can not change the method of transfer when the amount was already debited from me. I want my money back so I can send it on time since bills have been waiting for them. As of this writing, no updates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-02 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Dear BMO XXXX XXXX and XXXX Department, I am writing to formally report that my identity XXXX XXXX XXXX was stolen and used to fraudulently open checking and savings accounts with your institution. I recently discovered this when attempting to open my own legitimate checking account and was informed that there was a previous account under my name that had been charged off with a negative balance of approximately {$1000.00}. 
I want to state clearly that I did not open or authorize any such accounts, nor did I have any access, control, or knowledge of them. This is a case of identity theft, and I am requesting that all negative reporting connected to these fraudulent accounts be immediately removed from all reporting agencies, including but not limited to ChexSystems and Early Warning Services. 
I am prepared to provide all supporting documentation to verify my identity and to confirm that these accounts were opened without my consent. This includes a copy of my government-issued identification and any other documents your fraud department requires. 
Please consider this my formal and final notice to resolve this matter directly. If these fraudulent records are not removed promptly, I will be forced to involve the court system to obtain relief from the inaccurate and harmful reporting being made by your institution. If legal action becomes necessary, I will also seek a settlement for damages and will hold BMO responsible for all associated court and attorney fees.

I ask that this matter be investigated and corrected immediately. You may reach me by phone at ( XXXX ) XXXX or by email at XXXX should you require further information or documentation. 
Thank you for your prompt attention and cooperation in resolving this serious issue. 
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 explanation
Consumer complaint received 2025-11-02 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: DC

Complaint narrative:
XX/XX/2025 Experian Subject : Formal Complaint Regarding Deceptive Practices Causing Consumer Harm Dear Experian, I am writing to bring to your attention a matter of utmost concern regarding deceptive practices. 
After reviewing my credit report, I noticed that there were inaccurate accounts and information on my consumer report. The consumer reporting agencies never gave me the right to opt out, furthermore they never asked for my permission to furnish this information. Further they have assumed this vital role and have infringed upon my right to privacy by selling my information to a 3rd party debt collector : Pursuant to 15 US Code 1681 ( 4 ) my privacy has been invaded and damage has been done.

The deceptive practices employed by the credit reporting agencies have inflicted a range of damages, creating a ripple effect across various aspects of my life. The damage that arose to my mental health : Financial losses have been incurred as inaccurate information has affected my ability to obtain credit, leading to higher interest rates and restricted access to financial opportunities. The emotional distress resulting from these inaccuracies is significant, as I the consumer grapple with the consequences of false credit reporting, affecting my ability to secure loans or housing. Moreover, the reputational harm stemming from misleading credit reporting has led to strained relationships and a diminished sense of financial security. These deceptive practices not only undermine the integrity of credit reporting but also inflict tangible and intangible damage to my consumer report. 

I demand an immediate cease and desist and corrective action of any inaccurate credit reporting pertaining to my profile, in accordance with the provisions of the Fair Credit Reporting Act. 
I anticipate your prompt attention to this matter and expect a comprehensive response within XXXX business days of the date of this letter. Please address all correspondence related to this complaint to the email address provided above. 
Thank you for your immediate attention to this critical issue. 

Sincerely, 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 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This credit card company is trying to collect this debt by more then one debt collector.

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 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
am XXXX XXXX XXXX, and I am filing this formal dispute under the Electronic Fund Transfer Act ( Regulation E ) and the Fair Credit Reporting Act ( FCRA 611 ) regarding multiple unauthorized Cash App accounts that have been fraudulently created using my identity. These accounts were never opened, authorized, or used by me, yet they are linked to my name, Social Security number, and personal information. Criminals have exploited these accounts for illegal activities, and Cash Apps failure to detect and remove them is directly harming my ability to open and maintain a legitimate account in my own name.

Details of the Fraud : 1. Multiple Cash App accounts exist under variations of my name ( XXXX XXXX, XXXX XXXX, XXXX XXXX, etc. ) that I did not create.

2. These accounts have been used for fraudulent transactions, including but not limited to : Receiving stolen funds Money laundering Sending payments tied to scams or illegal services 3. I have never received verification codes, login access, or any communication from Cash App for these accounts.

4. Despite repeated attempts to verify my identity with government-issued ID, proof of address, and selfies, Cash App continues to block my legitimate account while allowing these fraudulent profiles to remain active.

Legal Basis for This Dispute : Regulation E ( 15 U.S.C. 1693 ) : Cash App must investigate and resolve unauthorized electronic fund transfers within 10 business days.

FCRA 611 ( a ) : You are required to delete inaccurate information from my consumer file upon proof of fraud.

Identity Theft Affidavit ( FTC ) : I have filed a report with the FTC ( Report # [ leave blank or insert if you have one ] ) and local law enforcement. 
Required Actions ( Deadline : XX/XX/year> ) : 1. Immediately locate and permanently delete every Cash App account not created or controlled by me.

2. Provide written confirmation ( via email to XXXX ) listing : All account tags ( $ XXXX ), emails, and phone numbers tied to my identity Date each fraudulent account was closed and purged XXXX. Reinstate my legitimate Cash App account under my verified identity only : Full name : XXXX XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-02 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: VA

Complaint narrative:
This company has improperly handled and sold my account to another lender. This company charged me illegal fees and billed my escrow illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX Subject : Notice of XXXX Debt Request for Immediate Update and Correction Dear [ Creditor or Debt Collector Name ], I am writing to formally notify you that the debt associated with Account Number : XXXX has been XXXX and canceled, as evidenced by the issuance of IRS Form 1099-C ( Cancellation of Debt ).

Under Title 26 U.S. Code 6050P, a creditor who files a Form 1099-C acknowledges that the debt has been canceled, forgiven, or XXXX, and is no longer legally enforceable for collection purposes. Continuing to report or attempt to collect this XXXX debt violates federal law and my consumer rights under : 15 U.S. Code 1692e Prohibition of false or misleading representations in debt collection ( FDCPA ) ; and 15 U.S. Code 1681s-2 ( a ) Duty of furnishers to provide accurate information to consumer reporting agencies ( FCRA ). 
Therefore, I demand that you : XXXX. Cease all collection activity related to this XXXX debt ; XXXX. Update all credit reporting agencies ( XXXX XXXX, and TransUnion ) to reflect a {$0.00} balance and Discharged/Canceled Debt status ; and XXXX. Provide written confirmation within XXXX business days that this account has been corrected or removed from my credit file. 
Failure to comply may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General, as well as potential civil action for violations of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 
Please treat this matter with urgency. You may send written confirmation of compliance to the address above. 
Sincerely, 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 2025-11-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to pay off the entire credit card in full and the store accepted my payment and closed my account then after a month they tried charging me as if I didn't pay in full only to dispute it but now they left me with a charge I cant pay off not by their own website or store because my account doesn't show up no more and the charge still counts as a missed payment so it doesn't make sense at all

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XX/XX/year> : XXXX cant access my XXXX XXXX XXXXXXXX account, and it keeps reporting inaccurate and outdated information on my credit report. This account is from around XX/XX/year>, and should no longer be reporting. The information being reported is incorrect and is negatively impacting my credit score. Please investigate and remove or update this inaccurate reporting 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 explanation