vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
Hello XXXX is currently withholding business income earned through legitimate invoices processed via their platform and has blocked access to my account without cause or due process. 

On or around XX/XX/year>, XXXX froze my account, citing a vague and inaccurate claim that I made self-payments. I immediately responded with documentation proving that : The flagged transactions were made by third-party clients, not by me The payments were for professional consulting services through my business, XXXX XXXX  XXXX  At least one of the disputed invoices was submitted under a completely different email address, further disproving the claim of self-payment Despite this evidence, XXXX has refused to release the funds or reinstate my account, effectively interfering with my ability to run my business and access earned income. 

I am demanding that Hello XXXX : Release all funds owed to me by XXXX XXXX  XXXX  on XX/XX/year> Provide written confirmation that my account is in good standing Cease unjustified account holds based on unverifiable accusations Their failure to release my funds may constitute a violation of the Electronic Funds Transfer Act ( 15 U.S. Code 1693f ), which provides consumers and business users with the right to prompt investigation and timely release of withheld funds when no fraud or error has been proven.

What do you think the company did wrong?

Blocked access to my account without justification Delayed release of payments for services rendered Misapplied internal policy without providing due process Failed to provide adequate response or evidence when challenged What would you like the company to do to fix this problem?

Release all funds currently held Restore full account access Provide a written apology and confirmation that my account is in good standing Update internal policies to protect users from false accusations and financial disruption

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft and to request your assistance in removing fraudulent information that has been added to my credit report as a result. 
Companies are as follows : XXXX XXXX XXXX : {$330.00} Inquiries : XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX ( XXXX ) XX/XX/year>XXXX XXXX XXXX ( Auto ) XX/XX/year> XXXX ( Bank ) XX/XX/year> I discovered that accounts and/or inquiries have been made in my name without my knowledge or authorization. These activities have negatively impacted my credit and personal finances. I have taken the following steps : Filed an identity theft report with the Federal Trade Commission ( FTC ) See attached

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft and to request your assistance in removing fraudulent information that has been added to my credit report as a result. 
Companies are as follows : XXXX XXXX XXXX : {$330.00} Inquiries : XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX ( XXXX ) XX/XX/year>XXXX XXXX XXXX ( Auto ) XX/XX/year> XXXX ( Bank ) XX/XX/year> I discovered that accounts and/or inquiries have been made in my name without my knowledge or authorization. These activities have negatively impacted my credit and personal finances. I have taken the following steps : Filed an identity theft report with the Federal Trade Commission ( FTC ) See attached

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block, KIc. ) e to it le quaTo customer service and unfair practices, which violate the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXX was untair and deceptive, as they didnor '' ) comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
the company has a collections on my credit report that does not have my written consent to be furnish on my credit report which violates the law i stated below. the company name is XXXX XXXX XXXX has flagged your account as Collections on XX/XX/year>. 

Source : Experian XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/year> Balance : {$310.00} What now? 

Negative activity can have a significant impact on your XXXX XXXX and how lenders see you as a borrower, affecting your ability to get credit. 

After you've resolved the negative activity, try Experian XXXX to raise your FICO Score. 
also on transunion and eqifax these are my rights that they are violating...... 

15 u.s.c 1681 section 602 A. XXXX XXXX XXXX XXXX15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

it also states a consumer reporting agency can not furnish a account with out my written instructions. 


15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX XXXX15 U.S. Code 1681c - Requirements relating to information contained in... 

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than XXXX years 15 u. s.c 1681s-2 ( A ) ( XXXX ) XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

A person shall not furnish any information relating to a 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
the company has a collections on my credit report that does not have my written consent to be furnish on my credit report which violates the law i stated below. the company name is XXXX XXXX XXXX has flagged your account as Collections on XX/XX/year>. 

Source : Experian XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/year> Balance : {$310.00} What now? 

Negative activity can have a significant impact on your XXXX XXXX and how lenders see you as a borrower, affecting your ability to get credit. 

After you've resolved the negative activity, try Experian XXXX to raise your FICO Score. 
also on transunion and eqifax these are my rights that they are violating...... 

15 u.s.c 1681 section 602 A. XXXX XXXX XXXX XXXX15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

it also states a consumer reporting agency can not furnish a account with out my written instructions. 


15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX XXXX15 U.S. Code 1681c - Requirements relating to information contained in... 

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than XXXX years 15 u. s.c 1681s-2 ( A ) ( XXXX ) XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

A person shall not furnish any information relating to a 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Demand for Wet Signature Validation and Removal of Unauthorized Inquiries/Accounts Under FCRA Dear CFPB, I am filing this formal complaint regarding multiple unauthorized hard inquiries and accounts appearing on my credit reports from Equifax, Experian, and TransUnion. Under federal law, specifically the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), creditors must obtain my written authorization with a wet signature before accessing my credit report or opening accounts. 

The following inquiries and accounts were made without my knowledge, consent, or proper wet signature authorization : Bankruptcy 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 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 for Removal : FCRA 1681b requires permissible purpose and consumer authorization Regulation B ( ECOA ) mandates written applications for credit TILA 1637 requires signed credit agreements FCRA 1681i requires investigation of disputed items Demanded Actions : Require each creditor to produce wet signature documentation proving authorization Immediately remove all unvalidated items from all three credit bureaus Provide written confirmation of deletions Investigate these potential FCRA violations Supporting Evidence : I never signed applications for these accounts/inquiries No permissible purpose exists for these credit pulls This may constitute identity theft Failure to provide wet signature validation within 30 days requires immediate deletion per FCRA. I demand prompt resolution of these violations. 

Sincerely,

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 2025-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CT

Complaint narrative:
When I applied to start attending the school the financial aid informed me that after completing and graduating my course that I will have XXXX moths to pay the balance. While attending I would make payments to help reduce the total cost of my loan and the XXXX XXXX said I was able to make payments before which I did but as soon as I didnt make XXXX payment they denied me to come to class and escort me away from the property. XXXX  XXXX XXXX was then raided by the XXXX  for fraud in the financial department which led me to be kicked from the school and now I have this debt which is unfair for myself to have. There are videos and it was on the news for the incident you can search for it online and see for yourself. XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Date : XX/XX/year> To : Portfolio Recovery Associates Subject : Formal Dispute of Account # XXXX ( Totaling {$1900.00} ) Dear Portfolio Recovery Associates, I am writing to formally dispute the validity of the above-referenced account, which has been assigned to your agency for collection. This debt is the result of identity theft and was not authorized by me. 
I had previously contacted XXXX regarding this fraudulent activity, and they had assured me that the charges would be reimbursed. However, instead of resolving the matter, they transferred the account to collections, causing unnecessary hardship and damage to my credit profile. 
Unfortunately, I am unable to provide supporting documentation at this time, as my personal information was compromised through several channels, including XXXX  XXXX XXXX and XXXX. Due to this extensive breach, I was forced to close my primary email account and secure all related accounts, making documentation recovery difficult. 
As the owner of XXXX XXXX XXXXXXXX, this situation is not only affecting my personal life but also disrupting my ability to run and grow my business. 
As required by the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I am requesting : 1. Immediate termination of any collection activity related to this account. 
2. Removal of any negative reporting associated with this account from all credit bureaus.

3. A written confirmation that this account has been closed and removed from my credit file.

Please acknowledge receipt of this letter and inform me in writing of the actions taken. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB lawsuit alleges that Experian has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate corrective action and deletion of accounts referenced

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed fraudulent activity. Multiple accounts were on my credit report that I did not open.

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 2025-05-21 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: IA

Complaint narrative:
My current Mortgage company is XXXX XXXX XXXX XXXX XXXX. Current mortgage open account on XX/XX/XXXX from XXXX XXXX  and should not have any late payments at the time it was transferred to XXXX XXXX XXXXXXXX XXXX XXXX. Currently, XXXX  is showing all payments with no late. However XXXX  and Transunion does not. Accounts should be accurate in all three credit bureaus. Please update credit bureaus immediately. Thanks for your attention in this matter. The reported late payments are as follows : XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Transunion- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX No late payments

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 2025-05-21 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: IA

Complaint narrative:
My current Mortgage company is XXXX XXXX XXXX XXXX XXXX. Current mortgage open account on XX/XX/XXXX from XXXX  XXXX  and should not have any late payments at the time it was transferred to XXXX XXXX XXXX XXXX XXXX. Currently, XXXX is showing all payments with no late. However Equifax and XXXX  does not. Accounts should be accurate in all three credit bureaus. Please update credit bureaus immediately. Thanks for your attention in this matter. The reported late payments are as follows : Equifax- XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX No late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC Report Number : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report any information that contains fraudulent data.

Several times I have contacted the credit bureau to report these fraudulent accounts on my report, and the bureau has not provided a solution to this issue. I am being seriously affected, as this situation prevents me from acquiring a new home for my children. These collections were already eliminated and not verified by other bureaus, so I do not understand why it is being claimed that these accounts are mine.

I have requested contracts from the company reporting these accounts, and for more than 60 days I have not received any response. Please help me by immediately deleting these accounts. I am attaching the FTC report, hoping that you will make a fair and appropriate decision in my case.

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 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 non-monetary relief