vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: LEXISNEXIS
State: NJ

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nTransUnion Consumer Solutions and ExperianXXXXXXXX XXXX XXXX XXXX XXXX\nExperian Dispute Department\nXXXX XXXX XXXX XXXX XXXX\n\nSubject: Fraudulent Account Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance Reporting: XXXX\nDear TransUnion Dispute Department,\nThis letter serves as my formal dispute regarding an account on my TransUnion credit file, which is fraudulent and opened without my consent. The account in question is reported as:\nCreditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX\nReference Number: XXXX XXXX\nI, XXXX XXXX XXXX have no knowledge or affiliation with this account. I did not authorize or open any account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously attempted to dispute and remove this account since XXXX and it continues to appear inaccurately on my report.\nI am a victim of identity theft, and I am requesting that TransUnion conduct a full investigation into this matter. Upon confirmation, please permanently delete this account from my credit file and prevent it from being reinserted in the future.\nIncluded with this letter are:\nA copy of my government-issued identification\nProof of my current address\nIdentity theft documentation (e.g., police report or affidavit)\nPlease confirm in writing once this fraudulent account has been deleted from my TransUnion credit report.\nThank you for your immediate attention to this matter.\nSincerelXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I am writing to formally dispute a collection account that was inaccurately placed on my credit report by credit collection servicer. When I first noticed the entry, I contacted the collection agency directly to resolve the matter. I informed them that the reported amount was inaccurate, and during the call, they acknowledged that there were discrepancies with the account. They refused to tell me what those discrepancies were. Despite this admission, they told me that I would still be required to pay the full balance, which I ultimately did in good faith. 
The company assured me that they had already sent a request to all major credit bureaus to remove the collection due to the internal discrepancies and that it would be taken care of. However, when I followed up with the credit bureaus, they confirmed that no such request had been received from the collection company. This led me to believe that the company provided false or misleading information. 
When I called the collection agency again and requested a formal letter stating that the account was under dispute and would be removed, they asked me for sensitive personal information to " verify '' my identity. After providing the requested details, they claimed the letter was sent to my emailbut I never received anything. I called back to confirm the email address on file, which was correct, yet I still did not receive any correspondence from them. 
When I requested to speak with a supervisor or someone higher up in the company, they refused to provide any contact information. Only after I mentioned that I would be having the recorded phone calls pulled did they become somewhat responsive, though still did not follow through with any resolution. 
This entire situation has caused significant and unnecessary damage to my credit report, and I believe the collection entry should be removed immediately due to the agencys mishandling, false statements, and lack of transparency. I respectfully request that this issue be investigated and that the derogatory mark be deleted from my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: FL

Complaint narrative:
To Whom It May Concern, Your last response still has completely disregarded my concerns. The Privacy Act of 1974 is a federal statute that governs how federal agencies collect, maintain, use, and disclose personal information stored in their systems of recordsnot private-sector entities like credit bureaus. Again, I am asking how these parties received my information? The parties are XXXX. XXXX, and XXXX. These are private sectors that are not part of the federal government. Please provide proof of my signatures and highlight it where it shows each of these parties have access to my personal information. It says the Department of Education and my university are the only ones who have access to my personal information listed right on your website. I look forward to seeing the proof in the next message and resolving these matters. This is illegal and this company is taking advantage of many individuals like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On the morning of [ XX/XX/year> ], I contacted Capital One regarding XXXX pending refunds that had not yet posted to my account, even though my other debit card transactions ( expenses ) had already cleared. I was informed that refunds typically take XXXX business days to reflect in the account. I accepted this explanation but pointed out that XXXX refund still appeared to be missing. 

I told the representative I planned to follow up with the merchant directly. However, the representative insisted that it needed to be reported as fraud. I declined and explained that doing so might interfere with the legitimate refund process, especially since the refund was already initiated and tied to my debit card. The representative assured me that reporting it as fraud would not affect the refund, but I reiterated that I did not want to proceed that way. 

After expressing my frustration, I ended the call. Shortly afterward, I discovered that Capital One had gone ahead and reported the transaction as fraud anyway and canceled my debit card without my consent. My account remains open, but I can no longer use the card. When I called back to object, I was told the debit card had already been permanently closed and could not be reactivated. I was not given a clear explanation for why my instructions were ignored. 

I am now unable to access my funds via debit card, and Im concerned that this will delay my pending refunds. I did not authorize the fraud report or card closure and would like this issue addressed and reversed if possible. I am completely disappointed. I am a single mom and that is my only checking account so when I go to the store and my card is declined it as a huge issue. Especially because I did not authorize this and did not report fraud because I did not believe that it was fraud given I was already receiving XXXX refunds for the subscription. I did not sign up for from the merchant themselves. What I believe Capital One did was retaliatory action based on me ending the call due to not being able to understand the customer service representative them, not escalating it to the proper departments and me being in the middle of my workday with responsibilities

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
UNAUTHORIZED HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX am writing to bring to your attention a series of unauthorized hard inquiries that have been reported on my credit file. I did not authorize any of the following credit checks, nor did I initiate contact or submit applications to these entities. 

Under the Fair Credit Reporting Act ( FCRA ) 604, a consumer reporting agency may only provide a consumer report to a person who has a permissible purpose. I have verified that I did not grant any such permission to the companies listed below. 

These inquiries are therefore not only inaccurate, but they also violate my rights under federal law. As a result, I am requesting their immediate removal from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding an unresolved issue with Block Inc. ( doing business as Cash App ) involving a XXXX withdrawal initiated on XX/XX/year>, in the amount of {$690.00} ( XXXX XXXX ). 

Details of the Transaction : Date Initiated : XX/XX/year>, at XXXX XXXX Transaction ID : # XXXX Amount : {$690.00} USD Transaction Type : On-chain XXXX withdrawal Sending Address : XXXXXXXX XXXX XXXX  Status Shown: Confirmed on-chain by XXXXXXXX XXXX Fees Charged : {$3.00} Total : {$700.00} USD ( XXXX XXXX ) Despite the XXXX stating that the withdrawal was successfully confirmed on-chain and estimating a sending time of ~20 minutes, I have not received the funds at the destination wallet, and there has been no resolution from Cash App support. 

Attempts to Resolve : I contacted support through the in-app channels multiple times and received either no helpful responses or generic replies. I have not been able to get a human resolution or confirmation of a refund or investigation. This lack of support and transparency is unacceptable, especially when handling cryptocurrency, where timing and access are critical. 

Request for Resolution : I am requesting : A full refund of the {$700.00} if the funds were not properly sent to the blockchain address.

Or documentation proving that the funds were successfully sent and received at the intended destination. 

Immediate investigation and resolution by Cash App support. 


Company Information : Block Inc. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX NMLS # : XXXX -- - This issue is causing unnecessary financial stress and concern. I am requesting that the CFPB intervene and help bring this matter to a fair and prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted an investigation and request for verification to Equifax and they have not responded. Then they dropped my credit score XXXX points. They havent replied or sent me any information that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-28 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX, FL XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

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