vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is a final demand regarding the above-referenced account. XXXX XXXX is reporting false, damaging, and unverifiable information to the credit bureaus. Despite multiple disputes, XXXX has refused to correct or delete this account. 

I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I am preparing to file with theXX/XX/XXXX and the State Attorney Generals Office. 

Violations Under the Fair Credit Reporting Act ( FCRA ) Failure to ensure maximum possible accuracy of reported information ( 15 U.S.C. 1681e ( b ) ).

Failure to conduct a proper reinvestigation after disputes ( 15 U.S.C. 1681s-2 ( b ), 1681i ).

Willful re-reporting of inaccurate information ( 15 U.S.C. 1681n ). 

Violations Under the Consumer Leasing Act ( CLA ) XXXX failed to provide disclosures required by 15 U.S.C. 1667 et seq., including : Total due at signing/delivery, Breakdown of monthly payments and fees, End-of-lease obligations and penalties, Early termination penalties, Option to purchase the vehicle and price. 

This makes the lease non-compliant and unenforceable for reporting purposes. 

Unfair and Deceptive Trade Practices ( UDTPA/UDAP ) Westlakes continued reporting of false information, failure to comply with federal disclosure requirements, and disregard for multiple disputes also constitutes unfair and deceptive trade practices under state consumer protection laws. These laws prohibit businesses from engaging in misleading, deceptive, or abusive conduct toward consumers. If not corrected, I will seek remedies under my states Unfair Trade Practices Act in addition to federal claims. 

Arbitration Notice I am also aware that XXXX agreements may contain a mandatory arbitration clause. If this matter is not resolved, I am fully prepared to file for consumer arbitration, where XXXX may be liable for arbitration costs, damages, and legal fees. 

DEMAND FOR DELETION I demand that XXXX : Immediately delete this account from all consumer reporting agencies ( Experian, Equifax, TransUnion ). 

Provide written confirmation of deletion to me within 15 days of receipt of this letter. 

If XXXX fails to comply, I will : File complaints with the CFPB, FTC, XX/XX/XXXX and State Attorney General. 

Pursue legal remedies under the FCRA, XXXX, and state Unfair Trade Practices laws.

Initiate consumer arbitration seeking damages. 

This is XXXX final opportunity to resolve this matter voluntarily before escalation.

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 2025-09-10 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
See. attached Federal reserve Consumer Complaint dated XX/XX/year> and other documents.

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 2025-09-10 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently opened an account with Truist. I made a deposit of XXXX between two checks. They put my account on hold because of a check from XXXX XXXX XXXX. My employers bank. I called 7 times between 8 different people managers supervisors and they all said the same thing. I told them Ive been employed by the same people for 3 and a half years and have had the same type of checks cashed and available to me with in the week. Today XX/XX/year> they locked my account for fraud. I have never committed fraud nor have I ever been labeled as a fraud risk. I cant even get the money that I put as cash out at a branch.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX, I disputed bankruptcies with Experian and requested the Method of Verification pursuant to 15 U.S.C. 1681i ( a ) ( 7 ). Experian responded that the bankruptcies were verified with the courthouse, but refused to provide any written description of the procedure used, nor did they provide the name, address, or phone number of the verifying party. Experian also stated that they do not provide written MOV, which is a direct violation of federal law. 

To support my position, I have attached a letter from the courthouse confirming that they do not verify bankruptcies for consumer reporting agencies. This proves that Experians response was false, misleading, and not compliant with the Fair Credit Reporting Act.

I am requesting that Experian either provide the complete written Method of Verification, or immediately delete these bankruptcies from my credit report for failure to comply with federal law.

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 2025-09-10 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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 have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: OH

Complaint narrative:
XXXX XXXX emailed me that I had a hard inquiry on my account on XX/XX/XXXX on my Equifax credit report, so I went in and froze my Equifax. I also submitted a dispute for the inquiry on XX/XX/XXXX and the results of their investigation were that it was factual information and it would stay on my report for 2 years. Then I got another email on XXXX and XXXX that a new XXXX XXXX  card was added to my account that I did not apply for and my score went down XXXX points. The card ended up getting mailed to my home so I called XXXX XXXX  and cancelled the card telling them I did not open it. I just called Equifax and they told me to submit a dispute with the FTC and then give them a call back with the results and then my credit score would go back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: IL

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Policy Change and Withholding of Funds I am writing to file a formal complaint regarding my Cash App account, which I have maintained for a significant period. Historically, when I received funds through Cash App, there was a standard 12 business day waiting period before the money was automatically transferred to my linked bank account. 
Between Friday, XX/XX/year>, and Monday, XX/XX/year>, I received several payments totaling approximately {$4800.00}. Based on past experience, I expected the funds to be automatically deposited into my bank account after the usual processing time. However, this did not occur. 
When I contacted customer support, I was informed that Cash App had changed its policy and would no longer automatically transfer funds without a fee. I asked whether users had been notified of this policy change, and the representative admitted that no such notification had been sent. 
I then requested that my funds be transferred without incurring a fee, as I had not agreed to or been made aware of any new policy. This request was denied. Furthermore, I asked to escalate the issue or speak with a supervisor, but that request was also refused. I was told that my only option was to pay the fee to access my funds. 
I find this practice unacceptable. Changing policies without notifying users and then withholding funds unless a fee is paid constitutes misleading conduct. I am submitting this complaint to formally express my concerns regarding the lack of transparency and the unjust withholding of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: LA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-09-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: FL

Complaint narrative:
On XX/XX/year>2025 I started receiving repeated phone calls and messages from MRS XXXX XXXXXXXX XXXX XXXX  MRS BPO , LLC regarding an alleged debt. The collector has been contacting me multiple times a day, often at inconvenient hours, and their behavior has become invasive and harassing. Despite my request that they stop contacting me until they provide proper validation of the debt, they continue to call and leave messages. This recurring and aggressive contact is causing significant XXXX  and feels like a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
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 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 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal has been lying to me for three weeks now about lifting your restriction off of one of my account accounts with him that was put on a restriction for another one of my accounts apparently having a negative balance as soon as the one they are holding the money and got money in it, they linked the account on their own and then put that one on restriction and told me once I am able to pay the negative balance on the other account. I will be able to get access to my other account and have the restriction lifted. I had to do that twice now to pay a negative balance on that other account I had and both times they told me as soon as it was done the restriction would be lifted as of right now it has not been a fully permanently banned my account accounts stating that theyre gon na hold my funds for 120 days for financial liability that is nonexistent because they can look through the transactions on both of the accounts and nothing will be coming back no chargeback or anything of the sort and I have contacted them about this and been contacted him about this for three weeks now and I would really just like to be able to get my money out of the account and close them permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CORELOGIC INC
State: NC

Complaint narrative:
An eviction is being incorrectly reported on my tenant/rental history. The record shows that an eviction was filed in XX/XX/year>, but this information is false. I was never evicted from this property, and I am still a current resident living at the same address. 

This inaccurate reporting is harming my ability to rent elsewhere, even though I have continued to pay rent and reside at the property. 

I am requesting a full investigation and removal of this false eviction record. I can provide supporting documentation, including : My current lease agreement Proof of ongoing rent payments A letter from my landlord/property manager confirming that I still live at the property and was not evicted Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have inaccurate or incomplete information corrected or deleted. I am asking for this eviction record to be removed immediately.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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