vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am an Equifax Data Breach impacted consumer, and I recently discovered multiple unauthorized credit inquiries and inaccurate personal identifiers being reported on my credit file without my knowledge, consent, or permissible purpose. These items are being willfully reported and maintained in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681b, 1681i, and 1681q. 

The following companies accessed my consumer report without authorization or any permissible purpose under the FCRA : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 1681b, a consumer report may only be accessed with a legitimate permissible purpose and express written consent. I have never authorized or applied for credit with these companies and have no business relationship with them. Their access to my personal credit file constitutes an invasion of privacy and a clear FCRA violation. 

Additionally, my credit report contains false and unverifiable personal identifiers, including incorrect names, dates of birth, addresses, and employers that do not belong to me. These inaccuracies suggest mishandling of my consumer data, likely related to my Equifax data breach exposure. Despite my prior written disputes, the bureaus have failed to conduct a reasonable reinvestigation as required by FCRA 1681i, and continue to report information that is inaccurate, unverified, and damaging to my credit reputation. 

Inaccurate Personal Identifiers ( To Be Deleted or Updated ) : Incorrect Name XXXX XXXX Incorrect XXXX XX/XX/XXXX / XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX This ongoing misconduct has caused me emotional distress, loss of peace of mind, and potential harm to my financial reputation. The repeated privacy violations and failure to correct unverifiable data demonstrate willful noncompliance with federal consumer protection law.

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 2025-10-08 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: PA

Complaint narrative:
I have multiple accounts on my report that were removed by Equifax and TU that were incorrect and violating FCRA laws. Experian refuses to budge. For example, some of my collections have been removed due to incorrect reporting on amounts, dates, double reporting, etc. I've also told Experian that the collections on my report, the companies have failed to provide me with debt validation letters as well as can not verify the debt. They can't send me anything on a contract I have signed to collect any debt while XXXX collections agencies are trying to collect for the same debt ( XXXX is third party ). I've also tried to have my name and address updated correctly, which they have refused to do based on calling and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: PA

Complaint narrative:
I have multiple accounts on my report that were removed by Equifax and TU that were incorrect and violating FCRA laws. Experian refuses to budge. For example, some of my collections have been removed due to incorrect reporting on amounts, dates, double reporting, etc. I've also told Experian that the collections on my report, the companies have failed to provide me with debt validation letters as well as can not verify the debt. They can't send me anything on a contract I have signed to collect any debt while XXXX collections agencies are trying to collect for the same debt ( XXXX is third party ). I've also tried to have my name and address updated correctly, which they have refused to do based on calling and more.

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 2025-10-08 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: NV

Complaint narrative:
Please delete this unauthorized inquiry from my credit report. I have no knowledge of initiating it and no relationship with the listed creditor. I ask for its immediate removal to uphold the integrity of my credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I've been paying on a {$2000.00} loan for 16 years and I still owe {$2000.00}. My loan was sold to Navient. I cant possibly still owe {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found out my credit was mixed with someone elses whose SS number is XXXX off mine. I called and told them. She had debt and I did not. I was getting her debt collector calls. They corrected it on the report and sent me a new XXXX XX/XX/year>. I went online after that and saw my name and her address. I could not get past that screen. Then debt collectors started calling me. Amazing how my phone number is on the report and hers isnt. I tried to call but could not get through to speak to anyone,

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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MA

Complaint narrative:
I requested a replacement card for the US Bank in XXXX. I have not received XXXX. They said that my address is not verified which it is it's been verified since XXXX. They said I did not call in XXXX to change anything. I have a physical paper saying that I changed everything in XXXX. 

Now they are withholding my paycheck till I get a replacement card. I just got thrown out of the place I live because I can not pay rent. I have no food, I have no car insurance and I have no money because they did not do their job right. I did everything right to get a replacement card in time before my card expired. Now I have to wait for a replacement card and my address to be verified. It should have been verified in XXXX and it was not. 

I would like the US Banks to be reported for fraudulent faulty payment. I want my money and I have the right to have my money. They won't even issue me a paper check for the money that I have in my expired card account.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
I am filing this complaint because Experian has continued to report inaccurate and fraudulent information on my consumer report even after I have disputed these items multiple times and provided all required documentation.

It has now been more than three months since I last contacted Experian, and they have failed to correct the issues. Because of this, I recently rewrote and resent my dispute letter by certified mail, including all updated supporting documents. These include a copy of my government-issued ID, Social Security card , a recent bank statement, my FTC Identity Theft Report ( # XXXX ), and proof of the XXXX  Data Breach ( Engagement Number : XXXX ). 

Problems with Experians reporting : Experian continues to report fraudulent accounts I did not open : XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX ( balance {$7400.00} ) XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX ( balance {$5600.00} ) XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX ( balance {$5100.00} ) Experian is also showing old or inaccurate addresses that do not belong to me, increasing my exposure to identity theft and making my report inaccurate. 


Why this violates the Fair Credit Reporting Act : Experian has sent stall letters instead of completing a reinvestigation.

Under FCRA 1681i ( a ) ( 1 ) ( A ), disputed items must be investigated and corrected or deleted within 30 days.

FCRA 1681e ( b ) requires Experian to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 1681c2 requires the blocking of identity theft-related items within 4 business days once proof is provided.

Failing to correct known inaccuracies constitutes willful and negligent non-compliance under FCRA 1681no.

Harm caused : Because of these false entries, I have been denied a mortgage loan, and these errors continue to harm my creditworthiness, financial stability, and peace of mind.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Mercari, Inc.
State: LA

Complaint narrative:
This has to do with the buying and selling platform Mercari. 

XX/XX/XXXX : I cash out {$500.00} to my XXXX XXXX as it's the only card that could do XXXX XXXX I have ( wouldn't take XXXX 's Debit Card and the new XXXX XXXX XXXX for XXXX XXXX  ). Found out that I couldn't send the money to another account, or use the card. 

XX/XX/XXXX : Contact XXXX, they say the account has started the process of closing due to an overdraft of {$3.00}, they say the money will be either sent as a check or sent back to Mercari for them to give back to me. Fine, whatever. 

XX/XX/XXXX : Call XXXX again for an update to cover base, they affirm it's being sent back to Mercari XX/XX/XXXX : Money is sent back to Mercari on XXXX XXXX end. At this point XXXX XXXX isn't involved. ( wouldn't know about this until XX/XX/XXXX ) XX/XX/XXXX : Start talking with Mercari, they say the funds got disbursed correctly, they said to keep talking to XXXX about it, I assume XXXX was the party at fault at this point and I'd be getting the money they check instead. XXXX claims the deposit wasn't showing on my account record at all ( because the money was sent back! ). Mercari closes the ticket, not getting involved. 

XX/XX/XXXX : Call XXXX  again, they go " oh yeah! We sent the money back on the XXXX! ". Open another Mercari ticket. Mercari support says that " funds should've been returned '' and that they'd expedite for me. 

XX/XX/XXXX : Mercari quietly closes the ticket. 

XX/XX/XXXX : Open another ticket, Mercari keeps saying the transaction was successful and to contact XXXX. Contact local branch and they said they'll print out proof the money was returned to Mercari for me to show Mercari. Mercari support gets quiet upon me telling them I'm getting paper proof of the return. 

XX/XX/XXXX : I get paper proof of the return. Mercari keeps being adamant that they're not at fault, they never received the money despite having access to the transaction number, nor know anything and close the ticket forcefully saying there's nothing left to say. 

XX/XX/XXXX : Call Mercari customer support and get in touch with a human, who yells at me over the phone to stop calling and that Mercari has not received the money yet. Mercari refuses to acknowledge the paperwork provided from XXXX XXXX as proof and refuses to speak to the bank to resolve this. XXXX has remained helpful and cooperative throughout this whole ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XXXX, I was scammed out of {$100.00} through Cash App. As soon as I realized what happened, I immediately requested the money back from the person, but they denied the request. I then contacted Cash App support right away to report the scam and ask for a dispute or refund. I explained the situation in full and provided all details, but Cash App refused to dispute the transaction or return my money. 

I acted quickly and responsibly, doing everything within my power to fix the situation, but I still received no help. This has been extremely frustrating and disappointing because {$100.00} is a lot of money for me, and I trusted Cash App to provide basic protection against scams. Im asking that this transaction be reviewed again and that my {$100.00} be refunded, as I took all proper steps to report the fraud in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NY

Complaint narrative:
On XX/XX/XXXX I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-08 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the 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. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-08 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: NY

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: GA

Complaint narrative:
I have applied for a {$1200.00} loan to borrow and I looked into my spam folder, at their email and it is showing {$320.00} twice a month for 20 months in total. I added it all up and it amounts to {$6000.00}. I only asked for {$1200.00} and they want me to pay 6x more. I borrowed money feom Affirm, paid them off, and they never done anything like this for a loan company, I had easy payments with Affirm that equal to what I borrowed. I researched and found out that a loan company like Willow Lake Lending, are predatory loan type of companies that ask you to pay more than what you borrow. And it is a scam.

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 2025-10-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation