vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: OH

Complaint narrative:
Subject : Urgent Follow-Up Regarding Non-Compliance Dear EXPERIAN, I am writing to express my deep concern regarding the lack of response to my previous correspondence concerning inaccurate information on my credit report. It has become increasingly apparent that EXPERIAN is not adhering to the obligations set forth under federal law, specifically 15 U.S.C. 1681c-2. 

Your continued delay in addressing my complaint is unacceptable, and I expect immediate action to be taken. If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau and consider further legal action to ensure compliance with the Fair Credit Reporting Act. 

I urge you to treat this matter with the seriousness it deserves and provide me with a resolution without further delay. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: OH

Complaint narrative:
Subject : Urgent Follow-Up Regarding Non-Compliance Dear EXPERIAN, I am writing to express my deep concern regarding the lack of response to my previous correspondence concerning inaccurate information on my credit report. It has become increasingly apparent that EXPERIAN is not adhering to the obligations set forth under federal law, specifically 15 U.S.C. 1681c-2. 

Your continued delay in addressing my complaint is unacceptable, and I expect immediate action to be taken. If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau and consider further legal action to ensure compliance with the Fair Credit Reporting Act. 

I urge you to treat this matter with the seriousness it deserves and provide me with a resolution without further delay. 

Sincerely, 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 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
This account was used for medical purposes. Please investigate this account. Please ask them for the contract I signed it should state a Payment Protection Insurance. I got sick and was not able to pay the bill. From that time I became XXXX. They didn't want to use my protection insurance. I don't think I owe them. What was the protection insurance for. And I have had a Data breach with Onemain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: OH

Complaint narrative:
Subject : Urgent Follow-Up Regarding Non-Compliance Dear TransUnion, I am writing to express my deep concern regarding the lack of response to my previous correspondence concerning inaccurate information on my credit report. It has become increasingly apparent that TransUnion is not adhering to the obligations set forth under federal law, specifically 15 U.S.C. 1681c-2.

Your continued delay in addressing my complaint is unacceptable, and I expect immediate action to be taken. If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau and consider further legal action to ensure compliance with the Fair Credit Reporting Act. 

I urge you to treat this matter with the seriousness it deserves and provide me with a resolution without further delay. 

Sincerely, 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 2025-06-26 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: OH

Complaint narrative:
Subject : Urgent Follow-Up Regarding Non-Compliance Dear TransUnion, I am writing to express my deep concern regarding the lack of response to my previous correspondence concerning inaccurate information on my credit report. It has become increasingly apparent that TransUnion is not adhering to the obligations set forth under federal law, specifically 15 U.S.C. 1681c-2.

Your continued delay in addressing my complaint is unacceptable, and I expect immediate action to be taken. If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau and consider further legal action to ensure compliance with the Fair Credit Reporting Act. 

I urge you to treat this matter with the seriousness it deserves and provide me with a resolution without further delay. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Finacial Protection Act ( CFPA ). Specially, 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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations 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 2025-06-26 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: MD

Complaint narrative:
I am writing to formally request a detailed description of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, in accordance with 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this provision, I am entitled to a full explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your responsibilities under the Fair Credit Reporting Act.

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 2025-06-26 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as XXXX : XXXX XXXX XXXX * * * * Balance : {$100.00} Date Opened : XX/XX/year> ; XXXX XXXX * * * * Balance : {$26000.00} Date Opened : XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One To whom it may concern : My card accounts were closed. I never called in to Capital One on XX/XX/year>. I pay each month from my XXXX account. There were never missed payments, can you reopen the accounts? I always pay the accounts. I never call in unless there was a phone spoofer imitating me. Someone must have a duplicate phone number. I would never speak rude to a representative over the phone. I report everything to the police. They are ruining my credit score. I am trying to move to a safe location. I lost my, dear, mother this year because people were hacking her cell phones. The phone would get hot and she passed away. There are several criminals hacking my phone numbers. Are you able to make this one exception and reopen my accounts? Again, I never miss a payment. Im worth {>= $1,000,000} and someone is jealous of me and they are hacking my phone numbers. I am a, very, nice, respectful person. The ceo did not send this letter, it was a hateful employee. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 2025-06-26 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-26 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am reaching out to contest a hard inquiry on my credit report, which I believe is incorrect.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am reaching out to contest a hard inquiry on my credit report, which I believe is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: Paypal Holdings, Inc

Complaint narrative:
I own a PayPal U.S. Business account [ XXXX ] ( XXXX : XXXX ) registered to my single-member LLC. 

* I am a Vietnamese national with no SSN or ITIN yet ; the LLC has an EIN but no ECI. 
* Two support tickets about the same issue were opened by two different agents : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
* Account balance : USD XXXX ; Resolution Center shows no open cases.

# # # Current problem 1. * * Can not close the account myself * * * The Dashboard shows Close account, but clicking it returns Contact Customer Support. 
* Community reports say such closure requests often drag on indefinitely. 

2. * * System errors block every fix * * * A red banner insists I Verify phone / Link bank, even though my U.S. phone is already OTP-confirmed ( Confirmed status ). 
* Any attempt to edit phone, address, or link a bank triggers a system error ; nothing saves. 

XXXX. * * Website URL can not be removed * * * I need the website field deleted so I can open a PayPal XXXX Business account. Support says it cant be done, yet offers no reason. 

4. * * Unkept promises about a closure deadline * * * Support verbally promised the account would be closed on * * XXXX XX/XX/year>XXXX  * *. 
* Each time I asked for written confirmation, agents said they would email me after the callbut no email ever arrived. 
* When I requested call-reference numbers and employee IDs ( needed as evidence for the CFPB ), they refused. 

# # # Actions taken XXXX XXXX XXXX XXXX XXXX XXXX  : * * Opened ticket XXXX XXXX XXXX XXXX XXXX no response. 
* * * XXXX XX/XX/year>XXXX  : * * Opened ticket XXXX XXXX XXXX XXXX XXXX  status still * * waiting, * * no response. 
* * * Six phone calls * * ( two escalated to a specialist team ) ; every agent promised a follow-up email * * none sent * *. 
* * * Multiple Message Center chats * * the only reply is technical error. 

# # # Risks to me Because PayPal will not close the U.S. Business account or remove my website URL, I can not safely reuse that URL for a PayPal XXXX Business account. Using it could get the new account flagged, leaving my business without a payment gateway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had a small business with the name of " XXXX XXXX XXXX. ". In XXXX last year Chase bank suddenly close my business account. I have a balance of {$14000.00} in the account. It's been a year, Chase bank is not releasing my funds. They are asking to provide the XXXX customers phone numbers which i provided to them but Chase bank is saying that these are not the phone numbers from a valid source like XXXXXXXX XXXX XXXX XXXX XXXXXXXX. My customers are using Voice over internet phone ( VOIP ). The customers have no other phone numbers and due to this reason Chase bank is saying that they can contact only though Valid provider phone numbers and customers are not ready to get those phones. I always contact with my customer through VOIP numbers and i can communicate with them without any issue. 
I requested to the Chase bank that if you are unable to contact with those customer, you can deduct their funds and release the other customers funds but Chase bank is refusing to do so even though Chase bank confirm that they already received funds from those XXXX customers and their cheques are cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
Please remove the following fraudulent accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXloan Inquires to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please Remove these address 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Names : XXXX XXXX, XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers : XXXX ; Employment Information : XXXX XXXX XXXX XXXX XXXX hard inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Theft Incident : Fraudulent Auto Loan or Lease What company or bank opened the fraudulent account? 
XXXX XXXX XXXX SO If you know, tell us when the fraudulent charges began. 
XX/XX/XXXX When did you first notice the problem? 
XX/XX/XXXX If you know, estimate the total fraudulent charges. 
XXXX Theft Incident : Fraudulent Auto Loan or Lease What company or bank opened the fraudulent account? 
XXXX  If you know, tell us when the fraudulent charges began. 
XX/XX/XXXX When did you first notice the problem? 
XX/XX/XXXX If you know, estimate the total fraudulent charges. 
XXXX Theft Incident : Fraudulent Auto Loan or Lease What company or bank opened the fraudulent account? 
XXXX If you know, tell us when the fraudulent charges began. 
XX/XX/XXXX When did you first notice the problem? 
XX/XX/XXXX If you know, estimate the total fraudulent charges. 
XXXX Theft Incident : Credit Card Opened by the Thief What company or bank issued the credit card? 
XXXX XXXX If you know, tell us when the account was opened. 
XX/XX/XXXX When did you first notice the problem? 
XX/XX/XXXX If you know, estimate the total fraudulent charges. 
XXXX Theft Incident : Credit Card Opened by the Thief What company or bank issued the credit card? 
XXXX XXXX If you know, tell us when the account was opened. 
XX/XX/XXXX When did you first notice the problem? 
XX/XX/XXXX If you know, estimate the total fraudulent charges. 
XXXX Please remove all of the above from my report. 
I have also included a copy of my FTC report as well. Thank you.

Company response to consumer: Closed with non-monetary relief