vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: MS

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

1681c-2 ) that you, the Equifax Information Services , 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 : 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 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 2025-07-02 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: GA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 : 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 XXXX XXXX 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
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally dispute and request the immediate blocking and permanent removal of the following fraudulent account currently appearing on my credit report, in accordance with 15 U.S.C. 1681c2 of the Fair Credit Reporting Act ( FCRA ) : Account Name : AMEX XXXX XXXX XXXX XXXX XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$4400.00} This account was not opened by me, nor was it authorized by me. It is the result of identity theft, and its inclusion in my credit report is inaccurate and damaging. As a victim of identity theft, I am exercising my right under the FCRA to have this fraudulent information blocked from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

1681c-2 ) that you, the Experian Credit Services , 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 : 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 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 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 2025-07-02 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: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
Account # XXXX, I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent a proper notification, please provide certified mail with a receipt displaying my signature. If not, please delete the account # XXXX as soon as possible from my report, or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I purchased on what I thought was XXXX and XXXX and paid {$100.00}. It it was supposed to be delivered in fact I paid extra to have the quickest shipping and delivery is supposed to be in XXXX days later so I waited a couple days on or about the XXXX I went back to my email I got an email confirmation of the order with an order number so I took a copy pasted the order number and searched it tried to track it and there was no tracking available there was an icon for tracking but it was darkened and when I tapped it and you know clicked on it it wouldn't do anything. So I contacted customer service at XXXX via email asking for an estimated time of arrival or any kind of tracking update and a couple days later I believe around the XXXX I received an email from XXXX saying that I never placed an order with XXXX they suspected that I was a victim of fraud and that I should contact my financial institution to dispute transaction so I immediately contacted customer support cash app via phone landline and disputed the transaction and you know a guy on the phone with me cuz I'm let me add that I'm a direct deposit member a premium cash app remember so on the phone that customer service representative was very helpful help me you know fill out the dispute he said everything was going to be taken care of and he's sorry that this happened to me and help me through the dispute process he said that I would be hearing from resolution in approximately XXXX to XXXX  days. I received an email on the XXXX and that my dispute had been denied they said they're investigation LED then to believe that the manufacturers obligations of the transaction had been fulfilled I got screenshots of the status of the order from what looks like XXXX saying that the order is to be shipped okay not shipped not delivered no tracking and updates at all no and not even no way to track it because it has not been shipped yet it's to be shipped I've got copies of this email I've got copies of everything and I sent it via chat through the cash app so I mean they know the transactions happen I just don't understand it but I can't even in for XXXX days now I've been trying to get just documentation of how they feel that the merchants obligations had been fulfilled they won't give me any document documentation of why I was denied they just keep putting me off and put me off and put me off for XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
I am filing this complaint because Equifax is inaccurately reporting a late payment on my credit report for an auto loan account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. This account is clearly listed as current, with a past due balance of {$0.00}, yet Equifax continues to reflect a late payment on my record. That is not only misleadingits completely inaccurate and harmful. 

This misreporting undermines the integrity of my credit profile and sends the wrong message to lenders, employers, and any other entities that rely on Equifax 's data to evaluate my trustworthiness. As someone who takes financial responsibility seriously, I am meticulous about staying on top of payments, especially with large obligations like an auto loan. Ive reviewed my statements and history for this account, and there is no recordnor any notificationthat I have ever been late. 

Ive gone through the proper channels to dispute this directly and have even submitted supporting documentation when requested, yet the error remains. At this point, it feels as though Equifax is ignoring the clear evidence and failing to comply with its legal obligation to maintain accurate information. 

Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), Equifax is required to ensure the maximum possible accuracy of the information it reports. Additionally, 15 U.S.C. 1681i mandates that once a dispute is submitted, the agency must conduct a reasonable investigation and delete or correct any unverifiable data. Equifaxs continued reporting of this false late payment is a direct violation of those obligations and is causing undue harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: LA

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 2025-07-02 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: AZ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
I was laid off on XX/XX/XXXX - no problem there. I wanted to transfer my XXXX to and XXXX  so after some research I chose SOFi self directed XXXX XXXXXXXX issued the check ( XX/XX/XXXX ), SoFi didn't receive - XXXX re-issued the check ( XXXX ) via XXXX - SoFi received the check, deposited it, then sent me an email two days later that said I had a negative balance ( I had made no transactions ). I had been in contact with them repeatedly about the check- they were aware there was a stopped check and a new one. They deposited the stopped check ( as well as the new one ) so when they got notification that it didn't clear they sent out the email .. We got that fixed- they said all was good, etc. I linked my personal account to my XXXX  so I can transact, etc on appx. XXXX. I go into withdraw funds on XX/XX/XXXX and I get a message that says there's a problem with the linked account. I relink all three accounts. I wait XXXX hours and try to withdraw and get " Your withdrawal can't be completed at this time because the receiving bank account was linked recently. Please try again later. '' Turns out, I can't access the funds until XXXX. My money is now tied up for another week. Mind you, no where does it say when the accounts get linked that there is a 10 day waiting period. I realize I don't have a lot of money which is why I have to do a self-directed IRA but don't advertise that all this can be done in a couple of days. It's been almost XXXX months since this process started and I still can't access my money. I have complained to SoFi- they say they understand but there's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
On XX/XX/XXXX, I made a final payment of {$490.00} to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. This company emailed me a receipt indicating a XXXX balance as of XX/XX/XXXX. However, while checking my credit report, I noticed a collection for {$210.00} from a Collection Agency XXXX  XXXX with date assigned as of XX/XX/XXXX. I was not informed by the XXXX about this before they incorrectly sent this to collections, and even though I made all payments with XXXX balance outstanding. I disputed this with Equifax on their online portal on XX/XX/XXXX, the same day that I noticed the collection on mt credit report. I provided a copy of the receipt as evidence of the XXXX balance outstanding. On XX/XX/XXXX. I received an email that the dispute was updated, however, the status still has a the XXXX account {$210.00} past due as of XX/XX/XXXX which is a lie! I've have provided the receipt from the XXXX to prove otherwise.

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 2025-07-02 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:
On XX/XX/XXXX, I made a final payment of {$490.00} to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. This company emailed me a receipt indicating a XXXX balance as of XX/XX/XXXX. However, while checking my credit report, I noticed a collection for {$210.00} from a Collection Agency XXXX  XXXX with date assigned as of XX/XX/XXXX. I was not informed by the XXXX about this before they incorrectly sent this to collections, and even though I made all payments with XXXX balance outstanding. I disputed this with Equifax on their online portal on XX/XX/XXXX, the same day that I noticed the collection on mt credit report. I provided a copy of the receipt as evidence of the XXXX balance outstanding. On XX/XX/XXXX. I received an email that the dispute was updated, however, the status still has a the XXXX account {$210.00} past due as of XX/XX/XXXX which is a lie! I've have provided the receipt from the XXXX to prove otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: TX

Complaint narrative:
Called to verify my card transactions cause there was a fruad hold on my card, talked to a representative about getting the hold taken off and the representative got that hold off of the card there was no talk about my card being canceled and I did not authorize any changes to my card number, when I woke up in the morning my card number was changed and when I called that day my card was closed WITHOUT MY PERMISSION, they told me they had no clue why my card was cancelled and that should not have happened and couldnt give me any information on why that happened

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 2025-07-02 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: GA

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

1681c-2 ) that you, the Equifax Information Services , 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 : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The inquiries are incorrect. The dates are misleading the time they need to be on my credit file is expired. 
this accounts older than what the inquiry is listed. 
Please verified the dates. Or please remove the account off my account.

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 2025-07-02 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: MI

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 MI XXXX ACCOUNTS : 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 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