vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank
State: GA

Complaint narrative:
On XX/XX/year>, I attempted to deposit {$1000.00} into an ATM attached to the Banking Institution on XXXX XXXX XXXX XXXX XXXX, XXXX Ga. The machine gave me {$700.00} back, and kept {$300.00}. I entered the Synvous Bank on XXXX XXXX XXXX XXXX XXXX, to report the problem. I spoke with a teller by the name of XXXX, who referred me to XXXX ( relations specialist or something to that degree ). XXXX filed a dispute on XX/XX/year>. The bank gave me a temporary ( provisional ) refund of {$300.00}, XX/XX/year>, until the completion of the investigation. I did not hear anything until XX/XX/year>, I received a letter, from the Banking Institution, which was dated XXXX XXXX. The letter stated that, '' We've closed our investigation of the recent transaction you disputed. Our analyst reviewed your account extensively and found the transaction to be valid. '' The letter also stated '' If you would like to appeal our decision, please contact us within 5 business days from the date of this letter. '' Which the 5 days were already past due, when the mail ( letter ) was delivered to my home mailbox. The ( provisonal ) temporary {$300.00} had been withdrawn from my account, which was stated in the letter, that " we will withdraw this temporary credit from your account on XXXX XXXX. I went the Synvous branch on XXXX XXXX XXXX XXXX XXXX, on XX/XX/year> before noon, I spoke with XXXX, she called someone and did an appeal. I had not heard anything. On the morning of XX/XX/year>, I called the headquarters office @ XXXX, and spoke with someone by the name of XXXX, I explained my situation, and she looked into the log, and saw where XXXX was the person, that I would need to speak with. She notified me that XXXX was in the office at the time, which was around XXXX XXXX. XXXX stated " she had sent 2 emails to XXXX we were talking on the phone. XXXX called XXXX XXXX, and stated '' she had not forgotten about me, but were doing an investigation, and would call back. '' I asked if it, would be on today ( XXXX XXXX ), due to the fact, I had my mortgage payment coming out on XXXX XXXX, and did not want to be insufficient on the payment. " She said they would be calling back. '' I did not hear anything from the Synvous Bank on XXXX XXXX XXXX XXXX XXXX. I went into the branch on XXXX XXXX XXXX XXXX XXXX today ( XXXX XXXX ), spoke with XXXX and she stated that " they did not have to check the ATM, because it did not malfunction. '' On the day of the problem XX/XX/year>, XXXX, XXXX informed me XXXX would come out and check the machine, because they have nothing to do with the machines. XXXX stated that as well on XX/XX/year>. I was also informed the machine does not show any deposits or withdrawals, only the face on the machine. I would like to hear from a helpful representative, thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : * * Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX  XXXX XXXX * * Account Number : XXXX * * * * Amount : - {$1700.00} * * * * Date of Account : XX/XX/year> *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
I just noticed a credit inquiry from a company Ive never dealt withand I definitely never gave them permission to pull my credit. I didnt apply for anything with them, and I have no idea why they accessed my 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 non-monetary relief
Consumer complaint received 2025-04-21 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: MO

Complaint narrative:
Transunion and Equifax are both reporting a bankruptcy on my credit report without providing verifiable documentation. I have provided a letter directly from the bankruptcy court stating that they do not report to any credit bureau and that this information is unverifiable. They are not reporting 100 percent accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 168XXXX, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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: IN

Complaint narrative:
I'm reaching out because I'm beyond frustrated at this point. My credit report has several errorssome of which are tied to fraudulent activityand it's destroying my ability to move forward financially. These inaccurate entries have nothing to do with me, yet theyre dragging down my credit and making everyday life more difficult than it needs to be. 
I've taken the steps to fix this, but the same issues keep showing up.

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 2025-04-21 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: OR

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-21 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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 recently checked my credit reports and noticed billing errors, and incomplete and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ) billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I signed up and opened a checking and savings account with Huntington bank. When I signed up, they had a {$400.00} promotional bonus going after you meet all their criteria which I did and exceeded. You are supposed to receive your funds after 90 days. It has now been a 100 days and I'm still being told it could take up to 2 More weeks. I have a feeling they are not wanting to put the funds to my account very frustrating

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 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:
I just looked over my credit report and found some accounts that Ive never seen before and definitely didnt open. I have no idea where they came from or why theyre showing up under my name, but they dont belong to me. Its really frustrating and honestly kind of alarming to see stuff like this on my report that I had nothing to do with.

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-21 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: Credit Central Holdings, LLC
State: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Charge-Off Accounts on Credit Report To Whom It May Concern, I am writing to formally file a complaint and request an investigation regarding inaccurate and outdated charge-off accounts currently being reported on my credit report. These accounts are negatively affecting my creditworthiness and may not be in compliance with the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations. 

The accounts in question are listed below : Creditor Name : [ XXXX XXXXXXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Creditor Name : [ XXXX XXXX XXXX  XXXX XXXX Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Creditor Name : [ Credit Central ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] I am requesting the Consumer Financial Protection Bureau initiate an investigation into these accounts to determine if : 1. The reporting is accurate and verifiable by the original creditor.

2. The charge-offs comply with FCRA requirements, including reporting time limits.

3. Proper validation and documentation were maintained by the reporting agencies. 

I have attempted to resolve these matters directly with the credit bureaus and the creditors involved, but I have not received sufficient evidence or justification supporting the continued reporting of these accounts. 


I am requesting that if the reporting creditors can not verify the accuracy and legitimacy of the charge-off entries in a timely manner, these items be permanently removed from all credit reporting agencies. 

Thank you for your attention to this matter. I look forward to a prompt response and a resolution in accordance with federal law. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. It this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I discovered incorrect 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
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
To whom this may concern ; this is not a third party filing this complaint. My name is XXXX XXXX XXXX. And I have in Incarcerated for XXXX  years. This complaint is in regards to those accounts being reported on my report. There is no way I could have open those accounts while Incarcerated. Please remove them from my report. For they do not belong to me. Thank 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