vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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:
Recently I checked my Experian credit report and see few inaccurate reports in my record and as a formal notice of violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The following accounts have violated my rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts have been reported or verified inaccurately, and as such, are in direct violation of the FCRA. 

According to 15 U.S.C. 1681e ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), If after any reinvestigation the disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall promptly delete or modify that item and notify the furnisher of the results.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 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. 

These statutes clearly outline your responsibility to ensure the accuracy, privacy, and integrity of all consumer information you report or furnish. Failure to comply with these laws constitutes a violation of my federal rights.

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 2025-11-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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.

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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted disputes and document requests over 40 days ago. I did not receive competent documentary evidenceonly restated tradeline data.I am disputing late-payment markers reported by XXXX  XXXX on two tradelines : XXXX  XXXX ( Open Revolver ) ending XXXX bureaus show a run of XXXX delinquencies in prior periods, yet the account now reports Current and the monthly grids diverge by bureau ( some UN/unknown, others show different late codes for the same months ). Comments also toggle between previously in disputenow resolved and other statuses, evidencing inconsistent furnishing. 

XXXX  XXXX ( Closed/Charge-off ) ending XXXX  monthly grid and status codes ( CO/charge-off ) are reported alongside long sequences of late codes, but there are material discrepancies across CRAs in the two-year grid and supporting fields ( e.g., Credit Limit present vs {$0.00}, different reported/verified dates ) . The past-due amounts also conflict with status/closure dates. 

These contradictions indicate XXXX  XXXX has not followed procedures to ensure maximum possible accuracy or maintained Metro 2 consistency across Payment Rating, Current Status, Past Due, Credit Limit/High Credit , and the monthly history.

Law & standards invoked : FCRA 607 ( b ) ( 1681e ( b ) ) maximum possible accuracy.

FCRA 623 ( a ) & ( b ) accuracy and reasonable investigation duties after CRA notice.

Metro 2 CRRG requires consistent reporting across fields and months ( including a properly maintained Date of First Delinquency driving any charge-off timelines ) XXXX XXXX and CRAs must produce the complete transactional ledger, billing statements, delinquency notices, and internal payment-posting records to substantiate each late month. Mere replication of the credit report or ACDV summaries is not verification.

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 2025-11-12 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: DC

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-11-12 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 disputing the following charged-off accounts, inquiries, and late payments on my Experian credit report : Inquiry Disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Late Payments : 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 2025-11-12 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 am submitting this formal complaint to dispute certain accounts, inquiries, and charges on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau.

Charged-Off Accounts : No charged-off accounts listed for dispute. 

Inquiries : XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX  Date Opened XXXX XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$110.00}

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was the victim of a check fraud scam. Scammers pretended to hire me and sent me four fraudulent checks to deposit. After the checks initially appeared as posted, the bank later reversed them as fraudulent, which caused a negative balance of {$1400.00}. 

I immediately contacted Bank of America and filed a fraud claim ( case number : XXXX ). I fully cooperated and explained that I did not benefit from the fraud and that the checks came from the scammers. 

However, instead of correcting the situation, Bank of America closed my account and refuses to reopen it. Every time I contact them, they repeat the same scripted response : We can not reopen the account, without providing a clear explanation, classification, or escalation to compliance. 

I am concerned that the bank misclassified me as responsible for fraud, even though I am the victim. This misclassification is harmful and affects my ability to bank elsewhere. I am requesting CFPB assistance to ensure the case is reviewed properly.

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 2025-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Carter Young for reporting and attempting to collect an inaccurate medical debt that resulted from a provider billing error. 
The original creditor, XXXX XXXX XXXX XXXX, incorrectly billed my childs medical visit of XX/XX/XXXX to the wrong insurance company XXXX XXXX XXXX XXXX XXXX XXXX South Carolina ) after my childs fathers employer switched coverage to XXXX effective XX/XX/XXXX. The provider failed to verify insurance eligibility before rendering services and later admitted they had billed the wrong insurer. 
Despite acknowledging the billing error, XXXX XXXX XXXX XXXX sent the account to Carter Young, which has since reported this inaccurate and disputed debt to the credit bureaus. I disputed this debt in writing by certified mail on XX/XX/XXXX, yet have not received proper validation or verification of the debt as required under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). 
Because the providers own administrative mistake caused the denial, and the account was not validly verified, this debt should not have been reported or collected. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter, require Carter Young to cease collection activity, and direct both the collector and the provider to delete this inaccurate account from all credit reports under the Fair Credit Reporting Act ( FCRA ) and FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-11-12 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:
Kindly review the submitted documents ; these inquiries appeared without any prior alert and may be unauthorized.

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 2025-11-12 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: GA

Complaint narrative:
I am submitting this formal complaint to dispute certain accounts, inquiries, and charges on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$820.00} XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$9300.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$580.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$890.00} Inquiries : XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an
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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Winklevoss Exchange LLC
State: PA

Complaint narrative:
XXXX XXXX  is a cryptocurrency trading fund. My account with them represents my total savings in the amount of {$12000.00}. They froze my account without authorization and will not let me access it. I have sent at least 10 emails to the XXXX XXXX  department and receive only a standard dancer that they are looking into it. Now they have ghosted me. I am out {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit file. I believe there are errors regarding the charged-off status, inquiries, and late payment records, which need to be corrected. Please see the details for each bureau below : Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9300.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXXXXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXXXXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
Square ( Block, Inc. ) closed my account on or around XX/XX/2024 and has withheld {$730.00} USD ever since. I was informed the funds would be released after a XXXX review, but it has now been over one year and the money has not been returned. 

I have contacted Square XXXX multiple times asking for release of my funds or a written explanation, but have received no clear response. There are no chargebacks, disputes, or compliance issues on my account. 

This indefinite hold violates Squares own Terms of Service and federal consumer protection standards. I request that Square immediately release my {$730.00} or provide a written explanation citing the specific reason for withholding it. 

They Dont even reply me on support chat or Phone support they just text me on chat I am sorry this is happening to you, XXXX XXXX After taking a look at your account, I do not have further information to share at this moment, have a great day!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: IN

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 2025-11-12 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: FL

Complaint narrative:
I recently checked my credit report and noticed incorrect items under account XXXX ( XXXX ). 
This is damaging my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief