vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
Approximately XXXX of XXXX Cash App froze my account, stating that I owed another company. They held {$200.00}. I contacted the court that dealt with the debt and it was dismissed. I submitted the court paperwork for the debt dismissal. It actually wasn't a debt dismissal. The case was not even taken. The company did nothing Cash App. I've contacted them over XXXX times with different reference. And case numbers, they've done nothing I asked them to close my account today.XXXX of XXXX XXXX XXXX, and they would not do so because I had a balance.They told me to try to withdraw it.Which I did, and it did not withdraw.Instead, it took another XXXX XXXX dollars out of my account.I immediately contacted their support and told them to cancel the transaction, they refused and said that it had already gone through now.The company is holding XXXX XXXX dollars of my money, XXXX XXXX of which has been over XXXX years.I need help and I want my money. They have been in class action lawsuits for fraudulent practices of freezing people 's accounts and doing nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
I was never sentenced or got a ticket for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are falsely reported on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: GA

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 4 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 30 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 2025-10-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I deposited {$3200.00} into my business account with Truist bank. The atm had some type error. Took the money, still on of XXXX, no credit to my account No calls from truist- even though ive been to the branch, called trust multiple times . This is NOT acceptable, as a business owner and that money was to paid my bills.

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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, credit reports must include only information that is accurate, complete, and verifiable. I am requesting that these entries be investigated, and if they can not be verified, they should be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please comply with 15 U.S. Code 1681g and remove the disputed accounts within the required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-08 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: MN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-10-08 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:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Complaint Against : National Credit Adjusters , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Account Number : XXXX Summary of Complaint : National Credit Adjusters ( NCA ) violated the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), by reporting an alleged debt to the credit bureaus before providing any validation or proof of the debt. 

After I disputed the account, NCA responded via email stating : We acknowledge receipt of your communication indicating that you dispute the account or a portion thereof. We will refrain from communicating with you while we research and validate the debt. 

This written statement confirms that NCA had not validated the debt prior to reporting it, which is unlawful. The FDCPA requires validation before any reporting or continued collection. 

Because NCA violated the FDCPA by reporting first, I am not requesting late validation. Their opportunity to validate expired once they reported the debt without proof. I am requesting immediate and permanent deletion of the account and cessation of all collection activity. 

Desired Resolution : Permanent deletion of account # XXXX from all credit bureaus Written confirmation that the account will not be reinserted, sold, or reassigned CFPB enforcement action for FDCPA violations Attachments : NCAs acknowledgment email admitting to research and validate after reporting My response demanding deletion due to unlawful reporting Communication was exchanged On XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MI

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 2025-10-08 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: MI

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 non-monetary relief
Consumer complaint received 2025-10-08 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: IL

Complaint narrative:
When I reviewed my credit report, I found several accounts and inquiries that are being reported inaccurately and without proper verification. My XXXX XXXX XXXX auto loan ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX continues to show multiple 60-day late payments even after the loan was restructured. These derogatory marks are inconsistent across bureaus, and TransUnion has not validated payment history or the accuracy of the reported status. My XXXX XXXXXXXX credit card ( Acct # XXXX ) is marked as charged off as bad debt and dispute resolved ; reported by grantor, which are contradictory statements. This account was settled, yet TransUnion continues to report it as derogatory. My XXXX XXXX credit card ( Acct # XXXX ) continues to show a charged-off status with fluctuating balance amounts month after month, which is inaccurate and unverifiable. My XXXX XXXX XXXX account ( Acct # XXXX ) is reported as placed for collection, but XXXX has failed to provide documentation showing debt assignment or validation, violating FDCPA 809. Lastly, my XXXXXXXX XXXX XXXX  XXXX XXXX ( Acct # XXXX ) is reported with both profit and loss write-off and charged-off remarks simultaneously, which creates confusion and misrepresents the accounts true standing. In addition, multiple hard inquiries appear on my credit file, including 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 ). These inquiries were not authorized in writing and have no corresponding active accounts, making them impermissible under FCRA 604. Despite previous disputes, these inaccurate and unverifiable entries remain on my 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 non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
Subject : Request for Removal of Unauthorized or Inaccurate Inquiries Dear Credit Bureau Representative, I am writing to formally request the removal of inaccurate or unauthorized hard inquiries from my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b and 15 U.S.C. 1681i. I have reviewed my credit file and found the following inquiries that I did not authorize or that were incorrectly reported : Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/year>XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX XXXX - Date of Inquiry : XX/XX/year> XXXX XXXXXXXX XXXX XXXX - Date of Inquiry : XX/XX/year> XXXX XXXX XXXXXXXX XXXX - Date of Inquiry : XX/XX/year> XXXX  - Date of Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/year> XXXX XXXX XXXX - Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX  XXXX Via Dealer - Date of Inquiry : XX/XX/year> XXXX XXXX XXXX  - Date of Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year>XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX XXXXXXXX Via Dealer- Date of Inquiry : XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX  - XXXX XXXX XXXX : XX/XX/year> Reasons for Dispute : I did not authorize these companies to access my credit report. 
The inquiries may have resulted from identity theft, an error, or improper access.

Under FCRA 1681b, a credit bureau may only list inquiries with permissible purpose, and these inquiries do not meet that standard. 
Requested Action : Remove the disputed inquiries from my credit file immediately. 
Provide written confirmation that the inquiries have been deleted. 
Send me a corrected copy of my credit report reflecting these changes. 
If these inquiries are not removed, I will escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action under FCRA 1681n and 1681o for willful and negligent noncompliance.

Please consider this letter my formal notice to correct these violations within 30 days, as required by federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO BANK ( WFBNA CARD Account # XXXXXXXX XXXX XXXX  ) * * Status : Derogatory ( XXXX ) Inaccuracies Found : XXXX  shows Derogatory while XXXX  and XXXX  show Closed. 

Past due balance of {$310.00} reported even though the account was closed and settled. 

Comment inconsistency : Canceled by XXXX XXXX  vs Closed by XXXX XXXX. 

Violations : FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy. 

FCRA XXXX ( a ) ( XXXX ) : Duty to correct and update information. 

FDCPA XXXX ( XXXX ) : Misleading representation of character of debt.

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 2025-10-08 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: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I am writing to formally express my concerns regarding Chime 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving useless vulnerable of scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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 strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief