vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: LA

Complaint narrative:
b'I am submitting this complaint to formally dispute multiple items currently appearing on my credit report that are inaccurate, unverifiable, and materially misrepresent my financial history. Upon careful review, I have identified several errors including outdated and incorrect addresses, a charge-off, a collection, and multiple unauthorized inquiries that require immediate reinvestigation and deletion to ensure the accuracy and integrity of my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: LA

Complaint narrative:
b'I am submitting this complaint to formally dispute multiple items currently appearing on my credit report that are inaccurate, unverifiable, and materially misrepresent my financial history. Upon careful review, I have identified several errors including outdated and incorrect addresses, a charge-off, a collection, and multiple unauthorized inquiries that require immediate reinvestigation and deletion to ensure the accuracy and integrity of my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-12-27 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I made a purchase using my Cash app debit Card for {$20.00} to the XXXX  XXXX, the funds were removed from my account but XXXX  XXXX declined the transaction but my money was not returned to my account. Cash app representatives advised that XXXX XXXX has to manually release the hold in order for my funds to be released .. I contacted XXXX  XXXX and was told they were unable to release the hold because the transaction was declined so they never had the funds so there is not a hold on their end, even though the transaction says the {$20.00} is being held by XXXX  XXXX . I reached back out to Cash app who said well even though it declined you still have to wait until XX/XX/XXXX to receive your funds back .. How is that fair to the consumer, I didnt receive my service and I dont have my money either. I authorized a transaction between Cash app and XXXX  XXXX, if that transaction was unable to be completed then my funds should have never been removed from my account. Cash app says they have no way of releasing them manually, when they should not have removed the funds AT ALL considering the fact that the XXXX  XXXX declined the transaction! Why do I have to wait 10 business days for my money to be release when it shouldnt have been held to begin with if the transaction did not go through .. if I were to go to XXXX, swipe my card and it declines the money would not removed from my card so why was it removed in this situation and wont be returned for 10 business days during the holiday season! I feel robbed and scammed and not protected as a consumer if a financial institution can be aware that the transaction declined but still decide to remove and hold my funds anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: TX

Complaint narrative:
[ Company : Lendmark Financial Services ] Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Product : Installment Loan / Consumer Loan Issue : Improper Adverse Action Notice ; ECOA/Reg B Violations ; FCRA Violations [ Summary of the Problem ] I am filing this complaint because Lendmark Financial Services issued a defective and noncompliant adverse action notice for my credit application ( Application No. XXXX, dated XX/XX/2025 ). The notice violates the Equal Credit Opportunity Act ( ECOA ), Regulation B, the Fair Credit Reporting Act ( FCRA ), Regulation V, and the Consumer Credit Protection Act. 

I sent Lendmark a formal dispute and demand for correction via certified mail, which they received on XXXX. They have not provided a corrected notice or the disclosures required by law.

[ Details of Violations ] 1. ) Failure to Provide Specific Principal Reasons for Adverse Action ( Reg B 1002.9 ( b ) ( 2 ) ) Lendmark listed only generic, boilerplate categories : Revolving account balances too high Monthly obligations too high Too many inquiries These are not the specific, principal reasons required by Regulation B. The notice does not identify : Which accounts Which balances or limits Which obligations Which inquiries What thresholds were determinative This violates Reg B and CFPB Circular XXXX. 

2. ) Improper Reliance on BlackBox or Opaque Decisioning Models If Lendmark used automated underwriting or a proprietary scoring model, they still must disclose the actual reasons they relied upon. CFPB Circular XXXX makes clear that creditors can not rely on model opacity to avoid compliance. 

The reasons provided appear to be generic scorefactor outputs, not actual underwriting reasons. 

3. ) Improper Substitution of FCRA Score Factors for ECOA Reasons The adverse action notice appears to copy XXXX  score factors into the ECOA section. FCRA score factors do not satisfy ECOAs requirement to disclose the creditors principal reasons for denial.

4. ) Mislabeling of Regulation B as Regulation 8 The notice incorrectly references Regulation 8, which indicates procedural deficiencies and further supports that the notice is defective.

5. ) Failure to Provide Required Disclosures Upon Dispute I requested : A corrected ECOAcompliant adverse action notice Identification of any automated underwriting systems used All consumer reports, score outputs, and underwriting data relied upon [ Lendmark has not responded. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: U.S. BANCORP
State: ID

Complaint narrative:
XX/XX/XXXX applied for rv loan my credit worthiness is above XXXX no public notices on credit report however Usbank continues to use discrimination and use a bankruptcy that fell off my credit reports after the year XXXX then that is used with other banks to get a good loan with low fees and apr which then i am punished from the other banks. 

i was told by the company, im making a purchase of a vehicle or a personal loan, that USbank denies the opportunity to get a loan from usbank because of bad past history this is discrimination because i worked hard to get my credit to where it is now and that there is no bankruptcy or there is not any public records against me. 

i feel that this a poor practice and the federal law be revised that banks should not allow this

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
Operating without a License Plate/Invalid RegistrationXXXX, Incorrect, NY traffic court dismissed and seal this information and still shown in LexisNexis, I was never formally charged for this, it was just an accusation that didn't progress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Hello, my auto finance account for the XXXX XXXX XXXX is being reported inaccurately to Experian credit agency. I have attached my XXXX credit bureau reports to this complaint, and there are inaccuracies on the report of Experian reporting agency. I feel as if Equifax is reporting the correct information. Transunion is no longer reporting this account. Equifax is reporting the last activity date of XX/XX/XXXX, and Experian is reporting the last activity date of XX/XX/XXXX. Under Section XXXX of the Fair Credit Reporting Act ( FCRA ), consumers have the right to challenge inaccurate or unverifiable information on their credit reports. This inaccurate information has to be updated or deleted from my consumer credit report. Experian advised me on XX/XX/XXXX that they only had to remove this account from my file 7 years after the account became a charge-off. Experian advised me this account became a Charge-off on XX/XX/XXXX, and they are not going to remove this account from my file until XXXX. This is incorrect information. Charge-off accounts due to the statute of limitations are removed from credit files 7 years after the first date of delinquency, not from the first date that the account became a charge-off. Per Equifax they will be removing this account from my credit file on XX/XX/XXXX because they are reporting the correct date of delinquency. XXXX Experian, they advised me they will not be removing this account until XXXX, which is 7 years from the charge-off date, not the first date of delinquency per what the consumer law states. 

Can you please advise me the first date of delinquency of my account, the date of the last payment made on my account, and the date this account became a written off charged-off account? I did speak with an Ally bank customer service rep over the phone that the person who is the co borrower on this account had only made XXXX payments total on this account since XXXX. I was advised of a {$500.00} payment on XX/XX/XXXX and a {$37.00} payment on XX/XX/XXXX. I was also advised by the rep that my account first went into default in XXXX of XXXX. 


A company ( specifically an " applicable financial entity '' as defined by the IRS ) must send the consumer a Form 1099-C for a debt related to a chargeback if it decides to discontinue collection activity and legally discharge the debt of {$600.00} or more as a charge-off. My debt is {$35000.00}. I was never mailed a copy of my 1099 C and my account is now a charge-off, and as a result this account is reporting inaccurately, and has to be removed. Thank you, and I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NC

Complaint narrative:
I let my sister hold my debit card and gave her my PIN to go buy me something from the store all of a sudden my cash app was taken over email was changed phone number was changed cash tag was changed but account was still in my name. and they're just continuing letting this count be used by somebody else even though I'm telling them it's fraudulent and I want my account back. they have refused to give me my account back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: SC

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-12-27 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: NV

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized personal information currently being reported on my credit file with your agency, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and my federally protected Right to Privacy. Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to maintain only accurate information and ensure the maximum possible accuracy of consumer data. Furthermore, the FCRA prohibits the inclusion of obsolete, unverifiable, or irrelevant personal information, including addresses and employers that are not demonstrably and directly associated with the consumers credit history. Incorrect Information Reported : Name Variations The only authorized and correct name that should appear on my credit report is : XXXX XXXX XXXX Any other name variation must be permanently removed as it is incorrect and misleading. Addresses The only address that should appear on my credit file is : XXXX XXXX XXXX XXXX XXXX, MI XXXX, Any other addressesincluding but not limited to : XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Any previous address listings without proper verification or association with my credit history must be removed immediately as they are erroneous and constitute a violation of FCRA provisions. Legal Basis for This Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, you are obligated to : Ensure the maximum possible accuracy of the information in my file ( 1681e ( b ) ) Correct or delete any information found to be inaccurate or unverifiable within 30 days of this notice ( 1681i ( a ) ) Refrain from violating my Right to Privacy by publishing or reporting personal data without my consent or in the absence of a permissible purpose.

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 2025-12-27 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized personal information currently being reported on my credit file with your agency, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and my federally protected Right to Privacy. Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to maintain only accurate information and ensure the maximum possible accuracy of consumer data. Furthermore, the FCRA prohibits the inclusion of obsolete, unverifiable, or irrelevant personal information, including addresses and employers that are not demonstrably and directly associated with the consumers credit history. Incorrect Information Reported : Name Variations The only authorized and correct name that should appear on my credit report is : XXXX XXXX XXXX Any other name variation must be permanently removed as it is incorrect and misleading. Addresses The only address that should appear on my credit file is : XXXX XXXX XXXX XXXX XXXX, MI XXXX, Any other addressesincluding but not limited to : XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Any previous address listings without proper verification or association with my credit history must be removed immediately as they are erroneous and constitute a violation of FCRA provisions. Legal Basis for This Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, you are obligated to : Ensure the maximum possible accuracy of the information in my file ( 1681e ( b ) ) Correct or delete any information found to be inaccurate or unverifiable within 30 days of this notice ( 1681i ( a ) ) Refrain from violating my Right to Privacy by publishing or reporting personal data without my consent or in the absence of a permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: CA

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: NJ

Complaint narrative:
I signed up with XXXX that was recognized as an educational institution to get a loan for their services. Their services were to provide training and coaching sessions. XX/XX/XXXX of this year I asked for a cancellation of my account because I signed up with the understanding that I would be meeting with a mentor every 2 weeks, the program changed these rules in XX/XX/XXXX, 3 months after I joined. I told XXXX that I signed up as a mother and someone looking for a job ( my company had a lay off in XX/XX/XXXX ), and keeping the scheduled helped me stay on track. They asked me to stay with the program till my contract end date which was XX/XX/XXXX where if I didnt get a job my contract would be null and void, otherwise I was liable for $ XXXX. I stayed with them and was unable to procure a job by the end of my contract. XXXX then told me that they would need to wait till I file my taxes to confirm I did not receive a job, and then my contract would be null and void. My loan was approved in partnership with Climb Credit. Additionally, I got a notification from Climb Credit that I was responsible for {$15000.00} which was not my agreement with XXXX, it was {$7000.00}. I brought that up with the XXXX rep too and they said that Climb may have made a mistake and that I was only liable for {$7000.00}. After XXXX, I got a notification that XXXX was being foreclosed and Climb Credit would now hold me responsible for the $ XXXX. I have tried resolving this but no one is able to help anymore and no one at XXXX is responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: CA

Complaint narrative:
I did not open or authorize this account, yet it has been added to my credit report with inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NV

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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