vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is XXXX XXXX  correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Item 's Subscriber Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened fraudulently and are the result of identity theft. I provided Equifax with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Equifax failed to block the fraudulent information within XXXX business days, as required by law. 
Furthermore, Equifax has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the XXXX statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
My PNC account was closed and told me It would take XXXX days to get out investigation never heard anything then got a check saying its closed I deposited so much money in this account I was using these bank statements for a house then they closed it which was disgustingly something that hurt me I really needed this account and the history I never violated any rules Im trying to get my banking history and up And there hurting me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: SC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Company closed the account and failed to provide a refund closure check to me. There was also disputes in place while the account was still open and then abruptly closed.

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 2025-08-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Requested Experian to do a thorough investigation of an account on my report. Investigation was not properly investigated. I have NOT now or EVER had an account with XXXX XXXX. I requested Experian provide the original instrument proving a business relationship with XXXX XXXX and myself. I requested Experian provide the name of the person they spoke with, that has FIRST HAND KNOWLEDGE of the account, date of contact and phone number. I requested the investigation on XX/XX/XXXX investigation returned completed on XX/XX/XXXX Report Number XXXX. Experian has fraudulently placed inaccurate information on my report which is a defamation of my character providing a false narrative that I am not capable of handling my financial affairs.

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 2025-08-14 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED 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 XXXXXX/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
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have never linked my phone number on Cash App. On multiple occasions, I requested that Cash App remove my number from their system, as I need to use it for other accounts and services. Despite my requests, Cash App has refused to delete or release my number and has not provided any explanation for why they are keeping it in their system. When I try to use my number to create or update an account, I receive an error message saying it has been linked too many times, which is inaccurate. This situation prevents me from using my own phone number, which is frustrating and unfair. I am requesting that Cash App remove my phone number from their system immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Federal - 2180284-DSP-02/25 List of Unauthorized Inquiries : CCFI - XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Closed my account with the suspicion of me money laundering like thats very absurd and then on some disputed I filed they denied them and still contacting me about paying the balance on account but wont let me get into account I had various amounts of money deposited into this account legally if me not understanding theres a limit on depositing cash I still had many deposited via ach payment Im not understanding why the account was closed due to a dispute or money laundering which I didnt violate no banking laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am submitting this formal complaint against Transunion for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionJXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were opened fraudulently and are the result of identity theft. I provided Transunion with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Transunion failed to block the fraudulent information within four business days, as required by law.

Furthermore, Transunion has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Transunion has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-14 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: NC

Complaint narrative:
Subject : Inaccurate and incomplete credit reporting by TransUnion, Experian, Equifax XXXX XXXX XXXX XXXX XXXX accounts To : Consumer Financial Protection Bureau I am filing this complaint against all three credit reporting agencies ( TransUnion, Experian, and Equifax ) regarding inaccurate and incomplete information in my credit reports, specifically concerning two accounts : XXXX XXXX ( opened XX/XX/XXXX, charged off ) XXXX  XXXX ( opened XX/XX/XXXX, charged off ) XXXX  XXXX : The reports fail to display the Date of First Delinquency ( DOFD ), which is essential under the Fair Credit Reporting Act ( FCRA ) for determining the reporting period. I have previously disputed this account, but no DOFD has been provided in any bureaus reporting. 

XXXX XXXX : Across six months of XXXX  credit report pulls, there is no DOFD listed in any bureaus reporting. This violates the FCRAs accuracy and completeness requirements. If the furnishers can not verify the DOFD with proper documentation, this tradeline must be deleted. 

Specific examples ( XXXX XXXX, no DOFD listed ) : Credit Report - XXXX  page 19 Credit Report - XXXX, page 19 Credit Report - XXXX, page 17 ( TransUnion ) Credit Report - XXXX, page 17 ( TransUnion ) Credit Report - XXXX, page 13 ( TransUnion ) Credit Report - XXXX, page 21 ( TransUnion ) Requested Resolution : Provide the DOFD for both XXXX XXXX and XXXX XXXX accounts, along with documentation from the furnishers supporting all reported fields. 

If the DOFD can not be verified or records are incomplete, delete these accounts from all three credit bureaus. 

Provide me with written confirmation of any corrections or deletions. 

Attachments : Full XXXX  credit reports ( 6 months ), with the relevant pages referenced above

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 2025-08-14 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: TN

Complaint narrative:
I am filing this complaint against TransUnion for failing to correct inaccurate information on my credit report regarding my XXXX XXXX account ( Account # XXXX, opened XX/XX/XXXX ), in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 
On XX/XX/XXXX, I mailed a formal dispute letter to TransUnion regarding an erroneous 30 days late notation reported for XX/XX/XXXX on this account. My letter cited FCRA 1681i ( a ), which requires a reasonable reinvestigation of disputed information, and 1666b, which prohibits late payment reporting if proper billing and notice were not provided. I provided proof of timely payment for XX/XX/XXXX ( e.g., bank statements and payment confirmations ) and requested removal of the derogatory late payment mark and an update to reflect positive payment history. Despite this, my most recent TransUnion credit report, obtained after the dispute, still shows the inaccurate 30 days late notation for XX/XX/XXXX, which is inconsistent with my payment records showing the account was paid on time and in good standing. 
Under FCRA 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation of disputed information and delete or correct any inaccurate, incomplete, or unverifiable data within 30 days. TransUnions continued reporting of this unverified late payment violates my rights under the FCRA and is harming my creditworthiness. 
I have taken the following steps : Sent a dispute letter to TransUnion on XX/XX/XXXX, with supporting documentation ( copy attached ). 
Requested deletion of the inaccurate late payment or an update to positive reporting.

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 2025-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX I was put on a XXXX interest forbeance as I was on the SAVE payment plan. FSA directed mohela to put everyone in a forbearance with 0 % interest. Mohela switched servers mid XXXX and put me in a processing forbearance which started to compound interest till XXXX. I was put in another XXXX interest forbearance XX/XX/XXXX but ALL my loans still accumulated interest throughout the past two year even though some said 0 % and some had XXXXXXXX XXXX still showing. I have paid all payments on time with interest up until XX/XX/XXXX. Mohela is not servicing my loans correctly. I should have only XXXX in loans to pay. Mohela reps continued to reassure me that interest would be cleared before interest began accumulating again XX/XX/XXXX but nothing has been done and accrued XXXX in interest. Supervisors at mohela continued to send in requests throughout the past 2 years to clear my interest but nothing has been done. They would not give me a paper copy of these requests either so I can keep track of as they said they did not have authorization to do that. I wanted to make a XXXX payment beginning of this year to my high interest loans so that when interest began accumulating in XX/XX/XXXX, I would not have to worry about interest accumulating on those loans ; However, Mohela told me I would not be allowed to make that payment directly to those loans without paying for the {$5200.00} in interest first. The representatives I spoke with submitted requests to see if I could possibly make a payment directly to my loan amount while they figured out how to adjust my interest, but I never heard a response back even after several follow up calls daily leading up to XXXX. Now with no response, I have accumulated {$140.00} in additional interest that I should not be responsible for because I have been wanting to pay off those loans that have accumulated this interest since the beginning of the year. To me this does not seem ethical as I am waiting to payoff my loans, but can not since mohela is not doing anything to adjust my interest, which is now putting me in more debt as interest is now beginning to accumulate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this formal complaint against Equifax for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Equifax has failed to remove or block fraudulent accounts from my credit file as required by law. The accounts in question include XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, which the banks confirmed would be deleted but remains on my report. All of these accounts are the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Equifaxs refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting accounts without proper notice. These failures have caused me XXXX XXXX financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

Company response to consumer: Closed with non-monetary relief