vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am writing to file a dispute regarding inaccurate information that is being reported on my credit file. Below is the breakdown of the accounts in dispute, separated by credit bureau : Charged Off : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$650.00} Late Payments : XXXX  XXXX XXXX Account Number : XXXXXXXX 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 2025-12-22 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 obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
I obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by the Fair Credit Reporting Act ( FCRA ).

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-12-22 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:
Dear Sir/Madam, I am submitting this dispute regarding several accounts on my credit report that I believe contain inaccuracies. Below are the details of the accounts I am disputing with the corresponding bureaus. Please investigate these entries and remove any errors in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : DPT EDXXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX  XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account No. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: TX

Complaint narrative:
I wish to bring to your attention a serious matter concerning the disbursement of my back pay. The funds were initially issued to a bank account that your office subsequently informed me was not eligible to receive them. Before this issue could be resolved, the account was compromised, and the funds were unlawfully withdrawn via a XXXX XXXX account under my name. I respectfully request that an investigation be initiated to determine how this account information was changed, as I had previously received my first payment in XXXX to the correct account and have no record of authorizing any changes. Over the past three months, I have made repeated attempts to work with your office to address this issue, only to learn that the funds were stolen. This situation has left me entirely without the financial resources I was relying on, significantly worsening my hardship. After speaking to XXXX, they have decided to put the mishap on the bank. Soon as I found out the money was in that account I called just to find out the account had been drained. I had no knowledge the money was even there. I am formally disputing XXXX XXXX decision to issue only a partial reimbursement for unauthorized transactions totaling over {$3000.00}. I complied fully with all requirements, including filing a police report and cooperating throughout the investigation period, which exceeded 90 days. Under Regulation E ( Electronic Fund Transfer Act ), I am entitled to full reimbursement for unauthorized transactions. Closing my account does not eliminate this obligation. These funds included protected XXXX benefits, and failure to return them in full may constitute a violation of federal law. Please provide : 1. Written justification for denying full reimbursement 2. The specific transactions you claim were authorized 3. The name of the sponsoring bank responsible for Regulation E compliance

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 2025-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, contacted Wells Fargo regarding my debit card being lost/stolen. My debit card was lost/stolen on XX/XX/XXXX. I wasnt able to call Wells Fargo right away because I was too busy at work and had a lot of other problems I was dealing with. I also was out of town last month and just came back home last week. I just remembered that I dont have my debit card with me. I checked all the transactions on my account and found a lot of unauthorized transactions. So I called Wells Fargo on XX/XX/XXXX to report my card lost/stolen and that there are XXXX unauthorized transactions. They were able to file a claim for me. However, when I checked my bank account today, XX/XX/XXXX the claim is closed and the amount went up from {$3900.00} to {$7500.00}. XXXX not sure what they did. So I called Wells Fargo to ask why my claim is closed and why the amount went up. They just told me that theyre not sure why and there was no indication that those transactions are fraudulent. I asked if they can re-open claim or open a new claim, they said no. I have been with Wells Fargo since XXXX or XXXX and Ive never had problems until now. I lost {$3900.00} and they closed it just because they didnt see any fraudulent signs. XXXX very upset with what happened and I hope CFPB can help me retrieve my money.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I had a XXXX XXXX XXXX  back in XXXX, when I was a high school student and employee there. This card had a very low balance, which I paid in full before leaving my job there in XXXX. I never used this card after that, and have not had access to it since XXXX, when the last transactions and payments were made on this card. This is now showing up as a XXXX delinquency on my account for the past 3 months, which is incorrect. First of all, it is too old to be a delinquency. Second of all, this was paid in full in XXXX. This reporting is inaccurate and violates FCRA accuracy requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602, 609, and 611. TransUnion is reporting inaccurate, incomplete, and unverifiable information that fails to meet XXXX XXXX compliance standards. Under Section 611, unverifiable data must be promptly deleted. Furthermore, TransUnion was involved in a major data breach, making the accuracy of its reported data questionable. I am demanding an immediate investigation and deletion of all unverifiable information within four ( 4 ) days as required by law.

1. I was never late on the payment and here i can see 30 days late payment being reported. 
XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this account from 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 2025-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: MD

Complaint narrative:
Add transfer {$500.00} for my XXXX  account into my Cash App a few hours later, I Notice.\n That {$480.00} of it was gone I did not make this transaction. I contacted the Cash App supporting team about a dispute. In my Cash App transaction, you can only see noticeable recognizable, business or family members routine. Transactions. A XXXX  XXXX transaction was declined a day before. That is something I do all the time. I transferred {$1.00} from my immitie intimate Cash App and that was declined. All I require is any piece of information that Connect me to this person {$480.00} gone. Give me any proof that said that this is even a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Online information services is destroying a disabled person and veterans life, lying, and committing fraud and illegal activity. I'm a victim of natural disasters and I do not own my home anymore and this illegal unethical company is saying I owe {$90.00} but I do not what they're doing is fraudulent and illegal and destroying a veterans life. I no longer receive postal mail I no longer receive postal mail at this address for almost a year now due to losing my home to hurricanes and hurricane insurance. I'm a victim of over five natural disasters and I lost my home due to the hurricanes. This company is violating FEMA violating federal law violating FCRA violating Florida State law!! I've reported your company to the CFPB the Florida Attorney General in the Florida public service commission I'm obtaining a lawyer and I will sue you for everything you're worth for destroying my credit and my ability to put a roof of my head as a disabled person and veteran.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last three years, trying to re place the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX sage stream and invoice data solutions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
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Company response to consumer: Closed with non-monetary relief