vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-01 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: CA

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-08-01 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: FL

Complaint narrative:
On XX/XX/XXXX I sent a payment of {$90.00} to my significant other to cover her overdraft before she got fees, in recent times she has been watching a tik tok influencer who's recent bit has been making a list of people that need to be drafted, as such I titled the payment " Overdrafters to XXXX '' cash app then locked up this payment on a payment pending with neither side able to accept or cancel the payment I messaged support and was unable to get any helpful information other than a help article which didn't work as the steps listed did not appear for our situation, I then had to send another {$90.00} to cover her for this situation, weeks had gone by and no response on the issue, my significant other also used the borrow system on cash app in order to assist me with bills and the time was coming close her paycheck wouldn't come till later so I sent her {$800.00} to cover the costs of the borrow function on her account, and she would send it back to me essentially resetting her time, on receiving the money I could not withdraw it into my account I could not use any of the money for anything it was completely frozen, we both messaged support and nothing useless deflection and help articles even when communicating with a human we still got no help they simply deflected and referred to cash apps code of conduct and that they hold the right to hold our funds my cash app borrow account is overdue and with possibly fees racking up due to their negligence and unwillingness to help has led to my XXXX XXXX account to enter a negative balance of XXXX XXXX as of XX/XX/XXXX with no response from cash app after several weeks of waiting and asking the support chat on cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Yes I would like to know why they closed my account I reached out to them and asked them but they would not give me an answer this is crazy I love to PayPal they were one of the best I don't understand why this is happening to me I received a class action settlement and then I sent some money to a friend and then they deleted my account to me that they were closing my account and just like sad for me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
On XXXX XX/XX/year>, I received a voice mail advising me of potential fraud activity on my NFCU account ( XXXX ). Upon inspection, I noticed XXXX new checking accounts had been opened and funds had been transferred from my XXXX XXXX XXXX into these accounts. I also researched several of the expenditures noted and saw they were from various cities in XXXX. 

I called NFCU on XXXX XXXX, and was informed that my accounts would be suspended from any further activity, and that I was required to submit an Account Compromise letter to regain access to my accounts. I was provided a list of requirements for the letter : full name, email address, time and number to call, XXXX signatures, new codeword, picture of the front and back of a valid government ID card. I submitted this letter to XXXX on XXXX XX/XX/year>. Later that day, I received another NFCU fraud notification stating that a debit card ending in XXXX had been used. I called NFCU and was again reassured that the accounts had been locked. 

On XXXX XX/XX/year>, after hearing nothing from NFCU, I called to request an update and to inform NFCU that I had received XXXX additional debit cards I had not requested. I was informed that the ID picture I had submitted was not clear enough and they needed a clearer copy. I submitted this letter on XXXX XX/XX/year>. 

On XXXX XX/XX/year>, after hearing nothing from NFCU, I called to request an update. I was informed that they would not accept the picture of the Retired Military ID I sent, and that I had to submit a photo of a drivers license or passport. I submitted this letter with a picture of my driver 's license on XXXX XXXX and again on XXXX XXXX. 

On XXXX XX/XX/year>, I received a Statement of Account from NFCU and noted approximately XXXX transactions had occurred after begin reassured by NFCU that the accounts had been locked. 

On XXXX XX/XX/year>, I received a call from NFCU and was informed that NFCU had not properly updated my contact information. I was told to resend the letter and specifically request that they update my contact information in their system before they would reinstate access to my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: VA

Complaint narrative:
I recently reviewed my credit report because I am in process of buying a home. However, I noticed many unauthorized & inaccurate items on my credit report. I am disputing unauthorized information that appears on my credit report. I am requesting a full validation of the debt to confirm it legally belongs to me. If the debt can not be fully validated with original source documentation, I am requesting its immediate removal from my credit profile. Please note : verification is not the same as validation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, incomplete, or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: VA

Complaint narrative:
I recently reviewed my credit report because I am in process of buying a home. However, I noticed many unauthorized & inaccurate items on my credit report. I am disputing unauthorized information that appears on my credit report. I am requesting a full validation of the debt to confirm it legally belongs to me. If the debt can not be fully validated with original source documentation, I am requesting its immediate removal from my credit profile. Please note : verification is not the same as validation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, incomplete, or unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
After reviewing my credit report, I found that the reported information is incorrect due to the inaccuracies, in the credit history reporting diferent history in bureau I send this complaint to XXXX  and they delete the collection because the information was incorrect is altered such as payments made, settled accounts, or incorrect balances. I previously submitted a dispute to Midland Credit Management on XXXX and they just dismissed with out response with supporting documentation to validate my claim. 
My name is wrong they just update the information taking the information from the letter I sent them to dispute I dont think is fear they algate false accusations of me hiring a lawyer from were or how if I dont have money they offer me pay for deletion but I cant afford to paid something that they have not been able to validate legally with contracts or any signature I call the bank and they said they reported as loss and I never received a XXXX the bank said they cant do anything is already reported as loss so why this third party collection agency is charging me if not even the bank could do anything about it any more the way they verify the account is sending me XXXX bills of receipts but any document that demonstrate that I am legally entitled to pay for it who give then the right to ruin my credit that is not a valid collection if you cfpb have a the proper validation document with the original document that makes me the person legally obligated to pay this account and if I dont receive this document within 30 days please delete this collection XXXX XXXX  already did please I ask kindly sorry for my long written but Im frustrated that Im working hard in my credit but Im not able to qualify for this collection Im missing on a lot of opportunities and this is affecting me with a lot of stress and anxiety because its easy to demonstrate all the inaccuracies but instead of deleting they just update the information I dont think thats legal if I have rights as customer that are being violated Midland Credit Management conducted an investigation but responded with a statement claiming the information was " accurate '' without further explanation or evidence of their review process. This lack of thoroughness in their investigation is both frustrating and unjust, as I believe the reported information is demonstrably incorrect. 

I request cfpb assistance in investigating this matter this account further and holding Midland Credit Management accountable for their reporting practices. I seek resolution to ensure that my credit report reflects accurate information. 

Thank you for your attention to this serious matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Im writing to demand the immediate removal of several fraudulent inquiries that appear on my credit report. These inquiries were made without my knowledge, consent, or authorization they are the result of identity theft, and I should not be held responsible for any part of them.

Let me be absolutely clear : I did not initiate these credit pulls, I did not apply for credit with the companies that made them, and I never gave anyone permission to access my credit file in these instances. These inquiries are unauthorized, and their presence on my report is a direct violation of my rights under 15 U.S. Code 1681c-2.

Under this law, I have the legal right to block and remove any item on my credit report that is the result of identity theft. Im invoking that right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have a XXXX  account that I'm trying to close. As soon as I tried to close the account, these XXXX  decided to " freeze my account. '' I believe I called the first time, and they acted like they didn't know how to close the account. Sometime later, I contacted them via email, the second time was told that I needed to show my ID. Since when do you need to show ID to close an account. The third time, I laid into to them. These XXXX  still havent closed my account because it's " frozen. '' Look CLOSE THE ACCOUNT, I'm not providing an ID to close an account that I don't even use. This is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: PA

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : 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 2025-08-01 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:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in to be removed. 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 21 days before the payment due date. XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 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! Delete the late payments from my consumer reports f

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
Today, I came across an unauthorized inquiry on my credit report, and Im deeply upset by it. I checked and rechecked, even refreshed my browser, hoping it was some kind of mistake, but it wasn't. I urgently request that you carefully go through the documents Ive submitted so I can stop being burdened by this unnecessary and stressful issue.

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 2025-08-01 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
There is been an estimate of {$110000.00} of overpayment for this property due to This no cashout lending. Companies are claiming this is a normal practice in mortgage world but in the real world this is stealing. This property has not been improved in 27 years due to this mortgage. All notes and documents needs to be Authenticated.

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 2025-08-01 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: NM

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, unverifiable accounts, unauthorized inquiries, and false addresses appearing on my credit reports. Despite my previous disputes with the credit bureaus, these errors remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate these issues thoroughly and take regulatory action against the data furnishers and credit reporting agencies who have failed to comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1800.00} Status : Late Payment LAW : FCRA Section 611 ( 15 U.S. Code 1681i ) - Reinvestigation of disputed information. FCRA Section 607 ( b ) - Maximum accuracy. 
ISSUE : This account is reporting late payments that are not accurate and were not verified during the first round. 
STORY : I never received any notice of delinquency or late status from this servicer. I consistently maintained contact and ensured my obligations were met. I am requesting you to obtain proper verification directly from the furnisher, and if not, delete it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$3800.00} Status : Late Payment LAW : FCRA Section 611 and Section 607 ( b ) ISSUE : Inaccurate late payment notation is harming my credit unfairly. 
STORY : I had submitted documentation to the servicer clarifying my hardship status during the time in question. Despite that, the account continued to report negatively. This account must be re-investigated with proper documentation or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$3700.00} Status : Late Payment LAW : FCRA Section 611 and 607 ( b ) ISSUE : This account is still reporting false late payment information even after my initial dispute. 
STORY : I have repeatedly requested proper verification and have not received a satisfactory response. This delay and failure to ensure accurate reporting is a clear violation of FCRA and must be corrected. 
I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these matters. The data furnishers and credit reporting agencies have failed to comply with the FCRA by reporting inaccurate, unverifiable, outdated, and unauthorized information on my credit report. I am requesting full deletion of the accounts, inquiries, and addresses listed above. I have attached supporting documents including my identification and proof of residence for verification purposes. Please take enforcement action as appropriate to ensure my rights are protected and restored.

Company response to consumer: Closed with non-monetary relief