vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
I am being incorrectly reported for a XXXX XXXX credit card account that I do not own. On XX/XX/year>, I spoke with a XXXX XXXX representative who confirmed that my personal information is not tied to the account and that it should be removed. I submitted a written letter to XXXX XXXX along with a copy of my Social Security number as requested. Despite this, the account still appears on my credit report with TransUnion. I attempted to dispute the item online through TransUnion but was blocked from doing so again. I am requesting that this XXXX XXXX tradeline be fully removed from my credit report and that all three credit bureaus be updated. Supporting documentation has already been submitted to both XXXX XXXX and TransUnion. Please resolve this immediately as it is negatively impacting my credit profile and was confirmed to be an error by 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 2025-07-14 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: MD

Complaint narrative:
I am being incorrectly reported for a XXXX XXXX credit card account that I do not own. On XX/XX/year>, I spoke with a XXXX XXXX representative who confirmed that my personal information is not tied to the account and that it should be removed. I submitted a written letter to XXXX XXXX along with a copy of my Social Security number as requested. Despite this, the account still appears on my credit report with TransUnion. I attempted to dispute the item online through TransUnion but was blocked from doing so again. I am requesting that this XXXX XXXX tradeline be fully removed from my credit report and that all three credit bureaus be updated. Supporting documentation has already been submitted to both XXXX XXXX and TransUnion. Please resolve this immediately as it is negatively impacting my credit profile and was confirmed to be an error by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 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 2025-07-14 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Feedback Regarding XXXX  Response to Complaint # [ Insert CFPB Complaint Number ] I am extremely dissatisfied with the response provided by XXXX  XXXX XXXX and strongly urge the Consumer Financial Protection Bureau ( CFPB ) to reopen this case for proper review. The company has blatantly failed to investigate a fraudulent and inaccurate collection account on my credit report a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

TransUnion 's response was dismissive, generic, and failed to address the core issue : I am not responsible for the collection account in question, and TransUnion has not provided any legally admissible documentation from the original creditor to verify this debt. This account was disputed with evidence, and yet TransUnion refused to investigate properly, in clear defiance of the following federal statutes : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Requires a reasonable reinvestigation upon receiving a dispute from a consumer.

15 U.S. Code 1681i ( a ) ( 5 ) If an item is found to be inaccurate, incomplete, or can not be verified, it must be deleted. 

15 U.S. Code 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

Instead of complying with federal law, TransUnion allowed this collection to remain without substantiation, violating their obligations and harming me financially. This is not only negligent it is willful noncompliance.

I am requesting that the CFPB take the following actions : 1. Reopen and escalate this case immediately for supervisory review.

2. Investigate TransUnion 's refusal to reinvestigate, including whether they provided any verification beyond automated e-OSCAR systems.

3. Force deletion of the unverifiable collection account as mandated under 1681i ( a ) ( 5 ).

4. Use this case to support enforcement action against TransUnion for ongoing FCRA violations and deceptive conduct.

If the CFPB allows this kind of systemic abuse to go unchecked, it undermines the very foundation of consumer protection law and the credibility of this Bureau. I am demanding transparency, accountability, and immediate correction of this egregious failure. 

Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NC

Complaint narrative:
On XX/XX/year>, I logged into my Cash App account using my phone and discovered that my account had been closed. I immediately reached out to Cash App that same day to determine the reason, as there was no indication of any unusual activity on my account. Initially, there was no way to speak directly with a live representative. I submitted an appeal through the in-app process as instructed. 

I searched online for a customer service number and contacted Cash App support three separate times on XX/XX/XXXX. I made an additional call on XX/XX/XXXX, during which a representative informed me that the investigation could take up to 30 days to complete. I asked for clarification regarding the message that my account had been closed due to fraudulent activity, specifically requesting details about the nature of the alleged activity. The representative stated they were unable to provide that information and that someone assigned to the case would contact me. I was told the process typically takes 3 to 5 days, but may extend up to 30 days depending on the complexity of the issue. 

Further calls were made on XX/XX/XXXX and XX/XX/XXXX. Each time, I received the same response : no one could provide information about the alleged fraudulent activity, and I would need to wait for a decision. 

On XX/XX/year>, I received an email from Cash App stating that they had identified activity that violated their Terms of Service. However, the email did not specify what the violations were. I responded to the email requesting clarification, but as of today, I have not received any explanation or documentation outlining the specific violations or alleged activity. My account remains closed. 

At this time, I am formally requesting detailed information about the alleged violations. It is unacceptable to accuse someone of a violation without providing supporting documentation or evidence. I have used my Cash App account consistently and responsibly since it was opened. 

In the past, when my account was compromised, I worked with my bank to resolve the issueeven though it stemmed from unauthorized access to my Cash App account. During the current situation, there has been no unusual activity on my personal bank account or within the Cash App transaction feed. Receiving an abrupt email stating that my account was closed due to fraudulent activitywithout further contextwas both surprising and distressing. No investigation appeared to have been initiated unless I pursued it myself, which gave the impression that I was being directly accused of wrongdoing. 

I am requesting a formal investigation into how Cash App has handled this matter, including the lack of transparency and the absence of any supporting documentation regarding the alleged fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} INQUIRIES : XXXX XXXX XXXX XXXX XX/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 2025-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing to formally dispute an item appearing on my credit report that I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b.

According to the FCRA, a consumer reporting agency may only furnish a consumer report under specific permissible purposes outlined by law. More specifically, 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) states that any access to or furnishing of a consumer report for credit or insurance transactions not initiated by the consumer requires written authorization from the consumer. 

I am asserting that I did not provide any written consent to National Credit Systems to obtain or furnish my credit report. Therefore, this action appears to be in direct violation of the FCRA. 

I request that you investigate this matter and provide : XXXX. The name and address of the entity that accessed or furnished my report. 


XXXX. The date the report was accessed or furnished. 


XXXX. A copy of the written authorization that you claim was provided, as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 


FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/year> Experian

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I reviewed my credit reports from Equifax, Experian, and TransUnion and discovered that they continue to report inaccurate, obsolete, and unverifiable personal information that does not belong to me or is no longer valid. This includes old addresses, misspelled names and aliases, outdated employer information, and a phone number I do not recognize. I submitted a notarized affidavit, government-issued ID, and proof of address to all three bureaus demanding removal of this information, but they have failed to delete the data or provide proper verification. Their failure to correct or remove this information violates multiple sections of the Fair Credit Reporting Act, including : 15 U.S.C. 1681g Right to accurate disclosure 15 U.S.C. 1681e ( b ) Duty to maintain accuracy 15 U.S.C. 1681i Duty to reinvestigate disputed items 15 U.S.C. 1681b ( f ) Impermissible use of data The continued reporting of this data is resulting in emotional distress, reputational harm, and inaccurate association to accounts that do not belong to me. This information was disputed in writing with supporting documentation, including : Notarized affidavit under 28 U.S.C. 1746 Valid ID SSN Card Proof of current address I am demanding that the bureaus delete and suppress all inaccurate personal identifiers and send written confirmation within the timeframe mandated by law. If not resolved immediately, I will escalate to the FTC, State Attorney General, and pursue civil damages under FCRA 616 and 617 for willful and negligent noncompliance.

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 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Abra

Complaint narrative:
On XXXX  XXXX, I tried to initiate withdrawal of of XXXX XXXX Interest-earning to XXXX account via Abra app. Transaction is not permiting to do so displaying a message " WITHDRAWAL temporarily unavailable XXXX  This has been happening since and Im not able to move funds as of todayXXXX XXXXXXXX provided XXXX response and no resolution. Multiple emails ignored. Previous transactions processed normally within 1-2 days. Platform continues operating while my funds remain inaccessible. ''

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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2025, I used Bank of America 's mobile app to send a check using the Check Pay feature. The check was for {$2300.00} and was mailed by the bank to the intended recipient. However, the recipient never received the check and did not deposit it. 

Despite this, the full amount was withdrawn from my account. I filed a fraud claim ( Claim number : XXXX ), but Bank of America denied it, stating that the transaction was completed using a device consistent with my previous activity. However, the issue is not how the check request was initiated the issue is who received and cashed the check. 

I requested that the bank provide a copy of the front and back of the cleared check and investigate who actually deposited it. So far, they have not provided that information or properly investigated the fraudulent activity. This is a serious case of potential check fraud, and the bank is failing to take appropriate action to protect consumers. 

I am requesting CFPB to help reopen this case and require Bank of America to investigate who endorsed and deposited the check, and return the stolen funds if it was fraudulently cashed.

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 2025-07-14 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-14 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: Diverse Funding Associates LLC
State: WA

Complaint narrative:
XXXX XXXX is reporting they allegedly own this account and have the right to collect on it and as such, are reporting negative information on my credit report. I sent them a Certified letter over 30 days ago, which they signed for, and all they provided me was a copy of a TILA statement which does not prove ownership or that an account actually exists or that I am the obligor on said account. This company is a junk debt buyer and has had numerous complaints for similar reporting filed with the CFPB.

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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXXrgent Consumer Complaint Against Wells Fargo for Mishandled Dispute Denied Without Considering My Evidence To Whom It May Concern at the Consumer Financial Protection Bureau, I am submitting a formal complaint regarding Wells Fargos mishandling of a credit card dispute, which resulted in the loss of {$7000.00} from my account. The bank failed to investigate the full scope of the case and did not solicit or consider my side of the story before issuing a denial. 

Summary of the Issue : On XX/XX/year>, I paid {$7000.00} via credit card to XXXX XXXX XXXX, a property management company in XXXX, XXXX, as part of a lease agreement. The unit was listed at $ XXXX, but after signing the lease, the company suddenly demanded {$11000.00} upfront within 24 hours. We complied in part but were told the following day ( XX/XX/XXXX ) that the lease would be canceled and the funds returned. 

The company instructed us to stop the payment ourselves, stating they do not return funds via card or account. I followed that directive in good faith. However, the next day, they sent an email contradicting their own statement, refused to take responsibility, and denied any wrongdoing. 

I filed a dispute with Wells Fargo and expected a fair investigation. Instead, I was denied the claim without being contacted at all. I was never asked to submit documentation or share my version of events. Wells Fargo appears to have decided the case solely based on the merchant 's word. 

Why Im Filing This Complaint : Wells Fargo failed to follow proper dispute investigation procedures by not contacting me or allowing me to submit my evidence. 

XXXX XXXX XXXXXXXX actions include bait-and-switch tactics, misrepresentation, and likely violations of rental lawmany complaints are already filed against them with the XXXX  Attorney General. 

I am now out {$7000.00}, in a precarious housing situation, and unable to recover my funds due to the banks neglectful process. 

Requested Resolution : I respectfully request the CFPB to investigate Wells Fargos handling of this dispute and whether they are in compliance with the Fair Credit Billing Act. 

I ask that Wells Fargo reopen and properly review my claim, allowing me to present the full evidence. 

I also ask that XXXX XXXX  XXXX be reviewed for potential unfair or deceptive practices harming consumers. 

Supporting Materials Available : Copy of lease agreement Email threads showing cancellation and stop-payment request Proof of payment and bank statements Timeline of communication Evidence of similar complaints filed against XXXX  XXXX  XXXX Thank you for your time and attention to this serious matter. I look forward to your help in correcting this injustice. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am filing this complaint regarding late payments that have appeared on my credit record without proper validation. After thoroughly reviewing my financial records, I discovered these late payment entries and sent correspondence to address this matter over 30 days ago. Despite the passage of time, I have not received any response or satisfactory validation of these disputed items. The presence of these unverified late payments continues to negatively impact my credit profile and requires immediate resolution.

Company response to consumer: Closed with non-monetary relief