vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
Hello, I am a PhD student at the University of Illinois at XXXX XXXX currently conducting a fellowship in XXXX. I recently opened a digital bank account with Wise. 

On XX/XX/XXXX, I transferred {$500.00} USD to my Wise account ( expecting to receive approximately XXXX ). However, as of today, XX/XX/XXXX, the amount has still not arrived. 

Additionally, my host institution in XXXX deposited my monthly stipend of XXXX on XXXX XXXX same day as my personal transfer. However, I have also not received this amount as of today ( XX/XX/XXXX ). This stipend is essential for supporting my familys living expenses in XXXX. I have been informed that a second payment of XXXX will be deposited later this month, and that neither payment can be canceled. 

I contacted Wise regarding both transfers, but their support team quickly responded that they were unable to locate the funds. Today, I researched the issue online and was shocked to find numerous reports alleging that Wise has a history of delaying transfers and withholding customer funds, often requiring extended follow-ups from users and sometimes taking months to return the money. 

Given that this stipend is critical for my family 's well-being, I kindly request your urgent assistance in resolving this matter. Any help or guidance you can provide would be greatly appreciated. 

Thank you very much for your time and support.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint to report the failure of the major credit reporting agenciesXXXX, XXXX, and XXXX adequately investigate and resolve disputes I have filed regarding inaccurate and/or unverifiable information on my credit reports. 

Despite providing formal dispute letters in full compliance with the Fair Credit Reporting Act ( FCRA ), the credit bureaus have either failed to respond within the legally mandated timeframe or have continued to report erroneous information without conducting a reasonable investigation or offering proper validation. 

These unresolved errors have had a direct and negative impact on my creditworthiness, resulting in financial hardship, emotional stress, and difficulties accessing credit and other essential services.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
Yes on XX/XX/XXXX and XXXX i reported fraud on my account pick all the transcations and told the rep that I was disputing all transcations on XXXX XXXX I didnt receive my products. The rep only did the dispute for XXXX transcations I checked on dispute out through the XXXX weeks and no one would give me answers XXXX refuse to take the dispute which i have screenshots of all my interactions with the customer service reps refusing help in the app I should have gotten my provisional credit today and nothing cash app said XXXX transcations were denied I explain to them it was all of them. The reps would not listen.

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: 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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: IL

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 ( XXXX XXXX Code XXXX ), 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 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

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:
This is a formal request to remove accounts that do not belong to me and were fraudulently added to my credit history. In accordance with 15 U.S. Code 1681g, please delete these accounts within 15 days. Attached is the documentation to support this request.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian P.O Box XXXX XXXX, TX XXXX Experian, XXXX XXXX XXXX authorize all disputes pertaining to my consumer profile! I received an email stating that you received a request regarding my credit information that doesn't appear to be sent directly by me. I appreciate you taking precautionary measures in regards to my consumer profile information, however, I am letting you know that if the credit request was in regards to a dispute to my consumer file ; I firmly authorize all disputes matters! A proper reinvestigation should not be halted but shall be conducted under regulatory terms of the FCRA.

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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX SC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES : XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-06-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and XXXX  me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Derogatory Credit Reporting XXXX ( Credit Report XXXX XXXXXXXX ) To Whom It XXXX Concern, I am writing to formally dispute the derogatory information reported on my credit file concerning my XXXX XXXX card account XXXX The report reflects XXXX  activity tied to interest charges that I was unaware of and that occurred after the account was closed. 
During the time these issues arose, I was enduring the XXXX XXXX XXXX XXXX XXXX Understandably, this personal XXXX  limited my ability to monitor my financial accounts and promptly follow up on any irregularities. 
According to XXXX records, the XXXX  card account was closed in XX/XX/XXXX. I paid the remaining balance of {$1100.00} on XX/XX/XXXX. I was later informed that interest began to accrue on the next statement after that payment. However, since the account was closed and no further transactions occurred, there should not have been a subsequent statement or any additional charges. 
I was never notified of these accumulating interest charges, which increased from {$3.00} to {$23.00}. I only became aware of the balance after requesting a statement, which I received on XX/XX/XXXX. Without a principal balance, I paid the full {$23.00} on that same day ( Confirmation XXXX XXXXXXXX ). I was then informed that a new statement would be issued on XX/XX/XXXX. This is concerning, as it suggests the account XXXX have been reopened without my authorization. 
To my surprise, a XXXX  mark related to these interest charges has been placed on my credit report. I was not contacted regarding any outstanding balances, and I reasonably believed the account was fully closed and settled. 
I respectfully request that this negative reporting be removed from my credit file with XXXX XXXX XXXX TransUnion. The continued presence of this inaccurate and unjust item is XXXX  affecting my XXXX XXXX and financial standing. 
I can provide documentation from the XXXX XXXX verifying my personal circumstances during the time in question, as well as a copy of the statement reflecting the disputed {$23.00} interest balance. 
Thank you for your prompt attention to this matter. I look forward to a timely resolution and the correction of this error on my credit report. 
Sincerely, 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 2025-06-17 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: FL

Complaint narrative:
Subject : Dispute of Derogatory Credit Reporting XXXX ( Credit Report XXXX XXXXXXXX ) To Whom It XXXX Concern, I am writing to formally dispute the derogatory information reported on my credit file concerning my XXXX  XXXX  card account XXXX The report reflects XXXX  activity tied to interest charges that I was unaware of and that occurred after the account was closed. 
During the time these issues arose, I was enduring the XXXX XXXX XXXX XXXX XXXX Understandably, this personal XXXX  limited my ability to monitor my financial accounts and promptly follow up on any irregularities. 
According to XXXX  records, the XXXX  card account was closed in XX/XX/XXXX. I paid the remaining balance of {$1100.00} on XX/XX/XXXX. I was later informed that interest began to accrue on the next statement after that payment. However, since the account was closed and no further transactions occurred, there should not have been a subsequent statement or any additional charges. 
I was never notified of these accumulating interest charges, which increased from {$3.00} to {$23.00}. I only became aware of the balance after requesting a statement, which I received on XX/XX/XXXX. Without a principal balance, I paid the full {$23.00} on that same day ( Confirmation # XXXX ). I was then informed that a new statement would be issued on XX/XX/XXXX. This is concerning, as it suggests the account XXXX have been reopened without my authorization. 
To my surprise, a XXXX  mark related to these interest charges has been placed on my credit report. I was not contacted regarding any outstanding balances, and I reasonably believed the account was fully closed and settled. 
I respectfully request that this negative reporting be removed from my credit file with EquifaxXXXX XXXX XXXX XXXX  The continued presence of this inaccurate and unjust item is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I can provide documentation from the XXXX XXXX verifying my personal circumstances during the time in question, as well as a copy of the statement reflecting the disputed {$23.00} interest balance. 
Thank you for your prompt attention to this matter. I look forward to a timely resolution and the correction of this error on my credit report. 
Sincerely, XXXX

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: Westlake Services, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX have incorrect information on my XXXX XXXX  which XXXX be the result of fraud. From XXXX dealer service, XXXX XXXX XXXX, consumer portfolio s. I did not try to get a vehicle and or finance anything from these companies at all.

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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX have incorrect information on my credit report which XXXX be the result of fraud. From XXXX dealer service, XXXX XXXX XXXX, consumer portfolio s. I did not try to get a vehicle and or finance anything from these companies at all.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) XXXX XXXX XXXXXXXX

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief