vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-28 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: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC
State: FL

Complaint narrative:
XXXX XXXX is inaccurately reporting a fraudulent debt on my credit file. 

I have provided proof showing there is an address inaccuracy between the information they are reporting and my legitimate credit file. I have attached screenshots documenting this. 

I have also attached the correspondence received from XXXX XXXX regarding this account, as well as my official FTC Identity Theft Report related to this matter. 

Despite clear evidence of identity theft and reporting inaccuracies, XXXX XXXX continues to furnish this fraudulent information to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ) 605B. 

I have complied with all legal requirements to demonstrate that the account is the result of identity theft, yet they have not deleted the account as required by law. I have attached down below and ftc identity theft report as well as my current Experian info summary proving that address is not mine. Like I have said multiple times this debt is not mine I never financed anything and even the signature on file is fraudulent I dont sign anything with initials. 
Kindly remove this from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: SC

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting false and outdated personal information, including Also Known As names : XXXX XXXX and XXXX XXXX. I have no legal affiliation with these aliases, and they are causing confusion and mixed file issues. I have already submitted my correct identifying documents, and TransUnion has no basis to continue reporting this inaccurate 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 explanation
Consumer complaint received 2025-04-28 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-28 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
CFPB Complaint Against Cash App Filed by : XXXX XXXX XXXX Account Email : [ XXXX ] Phone : [ XXXX ] Address : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Complaint Summary : I am filing a complaint against Cash App ( Block , Inc. ) regarding the mishandling of two disputed transactions on my account : Transaction 1 : Date : XX/XX/year> Amount : {$200.00} Merchant : XXXXXXXX XXXX XXXX XXXXXXXX Transaction 2 : Date : XX/XX/year> Amount : {$4900.00} Merchant : XXXX XXXX XXXX  XXXX I initiated disputes for both transactions, stating that the charges were unauthorized or charged incorrectly. For the {$200.00} charge, I provided evidence that I had already paid the merchant through another method. For the {$4900.00} charge, I explained that I was billed twice for the same service a clear duplicate transaction. 

Despite providing receipts, supporting documents, and an explanation, Cash App summarily denied both disputes, claiming the transactions were authorized based solely on information provided by the merchant. Cash App failed to conduct a fair or reasonable investigation as required by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and Regulation E.

Cash Apps actions violate consumer protection laws in the following ways : Improperly relying solely on merchant information without independent investigation.

Failing to properly review or consider the consumer evidence I submitted.

Denying the dispute within 1 business day, showing no meaningful investigation was conducted.

Failing to provide provisional credit while the disputes were under review, as required when a reasonable investigation can not be completed within a short time.

I formally requested a reinvestigation citing these violations but have not received appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: North State Acceptance, LLC
State: TN

Complaint narrative:
So there are several things that this finance company has done that is either illegal or at the very least, very unethical. So to start out, when I made my 5 or so payment on the vehicle that was financed by them, I spoke directly to XXXX and explained to him that I would be making a single payment of XXXX XXXXXXXX but this was to cover 2 months. They processed it as one payment and because of this, my account wasn't considered up to date. Thats when the account just went downhill. I was struggling to try to make payments that were much larger than the {$480.00} I agreed to and they wouldn't budge. Eventually they began to harass me with threats of repo and other things. On the day of the illegal repossession, XXXX and some other guy showed up and immediately got into my car. They had no key, but opened the doors and began going through my things. I went outside and told them to stop. They would not. They said they were taking the car and I said no you're not. The guy named XXXX began to get in my face threatening me and pushed me back as he slapped the keys out of my hand and proceeded to grab them off the ground before I could get to them. I continued to demand them to leave and they refused and wouldn't get out of my car. They eventually left in my car that still had some of my belongings in it. That was almost a month ago now. They refuse to let me get my belongings from the car, they refuse to tell me where the car is or when itw being Sold. They have refused to give me any information about the car and will not let me have my belongings from the car. They have been nothing but rude and shady to me. I feel I have been cheated and screwed over. They should not be allowed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-28 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: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-28 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: SC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/year>, Truist Bank closed my personal checking account without providing any advance notice. When I contacted customer service, I was told the account had been overdrawn for 60 days. However, I receive direct deposits every two weeks, and my deposits consistently covered any negative balance. Truist continued to accept my bi-weekly direct deposits, clearly demonstrating ongoing account activity and repayment. 

When I questioned why no notice was given before closure, the representative admitted that Truist closed my account on XX/XX/year>, and only mailed a closure letter on XX/XX/year>, after the account was already closed. I was denied the opportunity to correct or address any issues before action was taken. 

Furthermore, the representative stated that Truist does not always have time to notify customers before closing accounts. I find this admission highly irresponsible, negligent, and completely unacceptable from a federally regulated financial institution. Closing a customers active account without notice, while continuing to receive and process direct deposits, has caused significant financial hardship, including delaying access to my paycheck needed to support my family. 

Additionally, Truist offers overdraft protections ( buffers ) that should have prevented such an abrupt closure without adequate warning. I am requesting that the CFPB investigate Truists account closure practices, failure to properly notify consumers, and mishandling of active direct deposit accounts. Their actions have caused real financial harm and violate basic standards of fair banking practice.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is XXXX  me out and making me XXXX Hope you can address this soon, please.

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 2025-04-28 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-28 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: AZ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
Experian is inaccurately reporting late payments on XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX {$0.00} past due and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} past due. Both accounts are listed as derogatory despite showing no overdue balance. Under 15 USC 1666b, a creditor can not report a late payment without lawful justification. I have submitted disputes, and Experian failed to return any proof supporting the negative status of these accounts. This reporting is unlawful and misleading, violating 15 USC 1681i and 1681e ( b ).

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting a repossession from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}. The account reflects no balance, indicating that any alleged obligation has been settled or discharged, yet the repossession status remains. This is inaccurate and misleading. I have filed disputes requesting documentation, including an original loan agreement, billing history, and repossession details, but Equifax has failed to provide such proof. Reporting an item that has no balance but still carries a derogatory status violates both 15 USC 1681i and 15 USC 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting a late payment on XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  with a {$0.00} past due balance. This is inaccurate and misleading. Reporting a late payment without any overdue amount conflicts with 15 USC 1666b, which protects consumers from being penalized for timely or resolved payments. I have requested verification and Equifax has not provided any lawful documentation to justify this reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting the following hard inquiries that are inaccurate and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. I do not have any account or signed authorization with these companies, and these inquiries were not approved by me. Under 15 USC 1681b ( c ), a permissible purpose must be present for inquiries to be placed on a consumer credit file. TransUnion has failed to remove these entries despite prior disputes and no verification of authorization.

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 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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