vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
Usually, Every Month, XXXX has no problem updating my credit score, aside from my new update dates that have taken affect with Discover and my new XXXX XXXX card : Well, This month, after having paid off my former months debts, there was no update or change to my credit score-nothing literally changed on any of the 3 plus credit monitoring apps that I have tracking my score. Typically with having paid them off, they either go up or go down-for some ridiculous reason and seeing as how they carried a balance the previous month-IT IS MORE THAN ASSUMED THAT MY SCORE OUGHT TO INCREASE. I waited several days after the regular reporting period and even called Discover on the XXXX to have them re-report- which they graciously did and STILL NOTHING, NADA , ZILCH! The lady at XXXX XXXX gave a XXXX response so we wont count her, but still nothing-no update! I am requesting that XXXX  reupdate and raise my credit score for the month of XXXXI AM WATCHING YOU ALL INTENTLY. Do right by The American People for once! Bless You!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my credit report on XX/XX/year>XXXX  and noticed a late payment with XXXXXXXX XXXX XXXXXXXX inaccurate reporting on an account showing late payments, despite the account being paid on time. As a consumer, I have the right to accurate and complete information under the FCRA. I have never been late on this account and have attached documentation supporting my claim. 

I am requesting that this matter be investigated and the inaccurate late payments be removed. If the creditor can not provide verifiable proof of the reported delinquencies, I request the tradeline be updated to reflect timely payments or deleted in its entirety. 
I appreciate your attention to this matter and look forward to a prompt resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
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 2025-06-16 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: KY

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 2025-06-16 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:
below i have listed everything that is incorrect 1. " Past Due '' Amount Discrepancies * TransUnion & Experian report $ XXXXpast due. 
* Equifax shows {$0.00} past due. 
* All three bureaus should generally report the same amount for the same accountthis mismatch suggests incorrect data with Equifax. 

2. Uneven Date Last Active and Date of Last Payment * TransUnion states Last Payment : XX/XX/XXXX, Last Active : XX/XX/XXXX. 
* Experian also shows Last Payment : XX/XX/XXXX, but lists Last Active : XX/XX/XXXX. 
* Equifax reports both dates as XX/XX/XXXX. 
* These contradictory dates mean at least one bureau is misreporting activity and payment history. 

3. Varying Comments and Dispute Status * TransUnion notes : Charged off as bad debt. Dispute resolved ; customer disagrees. 
* Experian states : Subscriber reports dispute resolved consumer disagrees. Unpaid balance reported as a loss by the credit grantor. 
* Equifax says : Consumer disputes after resolution. Charged off account. 
* The multiple phrases and statuses indicate inconsistent handling of your dispute across the bureaus. 

4. Payment History Conflicts * TransUnion and Experian show late payments and Charge-Off statuses spanning late XXXX to early XXXX. 
* Equifax, however, reports OK across all months, which is clearly incorrect if there's a charge-off present. 
* Thats a major red flag because Equifax is failing to reflect derogatory status while the others do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
below i have listed everything that is incorrect 1. " Past Due '' Amount Discrepancies * TransUnion & Experian report $ XXXXpast due. 
* Equifax shows {$0.00} past due. 
* All three bureaus should generally report the same amount for the same accountthis mismatch suggests incorrect data with Equifax. 

2. Uneven Date Last Active and Date of Last Payment * TransUnion states Last Payment : XX/XX/XXXX, Last Active : XX/XX/XXXX. 
* Experian also shows Last Payment : XX/XX/XXXX, but lists Last Active : XX/XX/XXXX. 
* Equifax reports both dates as XX/XX/XXXX. 
* These contradictory dates mean at least one bureau is misreporting activity and payment history. 

3. Varying Comments and Dispute Status * TransUnion notes : Charged off as bad debt. Dispute resolved ; customer disagrees. 
* Experian states : Subscriber reports dispute resolved consumer disagrees. Unpaid balance reported as a loss by the credit grantor. 
* Equifax says : Consumer disputes after resolution. Charged off account. 
* The multiple phrases and statuses indicate inconsistent handling of your dispute across the bureaus. 

4. Payment History Conflicts * TransUnion and Experian show late payments and Charge-Off statuses spanning late XXXX to early XXXX. 
* Equifax, however, reports OK across all months, which is clearly incorrect if there's a charge-off present. 
* Thats a major red flag because Equifax is failing to reflect derogatory status while the others do.

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 2025-06-17 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX on XX/XX/2016 under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I opened an account with cash app and was sent {$20.00} by a customer. Then cash app themselves canceled the transaction to " protect me '' now I can't get the money. I don't understand what is going on when I called on the phone they were very rude to me. They interrupted me and we're not helpful. I would just like to get the {$20.00} back and never use cash app again I prefer other apps that work as they should and treat the customers as they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NJ

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/XXXX I noticed that my PSLF months were only XXXX and I have been working for the federal government since XX/XX/XXXX. I filed a reconsideration ( case # XXXX ). I was told that my loans were not all consolidated which is not true, so two years would not be counted. I called the Department of Education on XX/XX/XXXX, and XX/XX/XXXX and verified that all my loans have been consolidated. I contacted customer service on XX/XX/XXXX and was told to file another reconsideration. I was told by XXXX from The Department of Education on XX/XX/XXXX to file a reconsideration request PSLF buy back. I was told the request needed to have the dates which were XXXX and XX/XX/XXXX to present. I filed that on XX/XX/XXXX but there was no place to input the date information. Once you click you are eligible for the 120 payments and click submit the application automatically submits so it kept opening a new case each time I hit submit. The reference numbers were : XXXX, XXXX, XXXX, and XXXX I have made repeated efforts to resolve these issues directly with MOHELA, but the problems persist. Their negligence has not only jeopardized my financial health, credit score, and access to federal benefits, but has also caused immense XXXX. I am a XXXX XXXX, and any delinquencies reported could cost me my employment. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-16 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. 

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and W2.

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 2025-06-17 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:
I have report to the ftc about my report there was a data breach in XXXX and my information was exposed address phones social security and other personal information it has exposed more to identity theft and other inquiries and collection on my credit report that I am not aware of i would like this to be resolved in a timely matter thank you.

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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There is banking information that I did not authorize on my credit report

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 2025-06-17 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: CT

Complaint narrative:
The federal and state law states : Before a debt collector can report your debt to a credit reporting agency, they must send you a validation notice, which verifies the debt and your right to dispute it. 15 USC 1681 Section 602 States as followed : I have the right to privacy. 15 USC 1681 Section 604A states as followed : a consumer reporting agency can not furnish an account without my written permission or instructions. Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. FCRA section 607 ( b ) provides that [ w ] henever 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. XX/XX/XXXXXXXX has previously indicated that it is not a reasonable

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 2025-06-17 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I requested payment be made by XXXX XXXX ( via XXXX app ) on XX/XX/XXXX for a payment to Citi Visa that was due XX/XX/XXXX. XXXX XXXX processed the request on XX/XX/XXXX and confirmed that mailed payment would be delivered XX/XX/XXXX. Citi showed that payment was received XX/XX/XXXX and charged a late fee and interest, but during call to Citi to solve the problem, Citi supervisor XXXX declined to provide any proof that it was late ( such as photo copy of envelope ), nor was he willing for me to conference in XXXX XXXX to settle that matter. He said I just have to take his word for it that it was late, he could do nothing more, and had no interest in solving the problem. 

The payment amount was {$130.00} and the additional late fee is {$29.00} and interest of {$3.00}. 

Of all the many payments made this way, Citi is the ONLY one with this issue. Is it fraud or a scam to boost profits?

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not responsible for the accounts recently discovered on my credit report. I suspect identity theft and unauthorized use of my personal information. In compliance with 15 U.S. Code 1681g, I insist these accounts be removed within 15 days. Proof of my identity and additional evidence are enclosed.

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 2025-06-17 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: TX

Complaint narrative:
I request a reinvestigation of the reported late payment. I paid this bill on time, and this error is XXXX my credit. Kindly remove the mark to ensure the report reflects accurate data.

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