vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: CA

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 XXXX 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-24 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:
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 report all 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 ( 15 U.S. Code 1681i ), 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. COLLECTION : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$470000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$180.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
This is the latest of several communications. 

Subject : Notice of Error and Request for Escrow Removal Based on 100 % VA XXXX Tax Exemption To : Select Portfolio Servicing, Inc. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Attn : Escrow Department Dear Escrow Department, I am submitting this Notice of Error and Request for Information pursuant to 12 CFR 1024.35 and 1024.36 of the Real Estate Settlement Procedures Act ( RESPA ). I am a veteran with a 100 % VA service-connected XXXX rating. I have been granted a full property tax exemption by the XXXX XXXX XXXX XXXX XXXX for my primary residence, effective XX/XX/year>. 
Despite this exemption, my escrow account continues to reflect an unnecessary tax obligation. I respectfully request : 1. A written explanation for your refusal to remove or adjust the escrow account in light of this change.

2. A recalculated escrow analysis reflecting a XXXX-property-tax obligation and reduced monthly payment. 
Enclosures : VA award letter confirming 100 % XXXX XXXX XXXX XXXX tax exemption approval ( Form XXXX or confirmation ) Copy of my most recent escrow analysis statement ( for reference )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
on XX/XX/2025 our Citibank accounts locked due to fraud alert, but Citibank still released 4 group ACH without double confirming with us after XX/XX/2025, while rejecting all other preset checks and ACH issued began on XX/XX/2025. we have been demanding to know how this can happen and Citibank should refund our money in vain. 

We had complained about someone in Citibank was manipulating our checking account since XX/XX/2025 and Citibank keep saying this did not happen, contrary to the evidence we provided. as attached copy showing we ACH to a vendor from XXXX checking but debit shown on XXXX checking. this was the first evidence that someone inside Citibank was doing this against our instruction. then between XX/XX/2025 to XX/XX/2025, we were completely black out of Citibank online banking while someone did all the debits and credits without any of our approval. We strongly believe this was an inside job.

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 2025-06-24 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : DEPT OF ED XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Transunion

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 2025-06-24 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: NM

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 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 2025-06-24 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: NM

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-06-24 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 XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arena Investors, LP
State: MO

Complaint narrative:
More than 6 months ago I received a phone call from XXXX saying I legally owed a debt from XXXX. I do not owe this. I told him to not contact me on my cell phone again and to communicate via usps mail. today XX/XX/XXXX I received a prerecorded message via phone call from this company and the message was verbally threatening and accusatory. I logged into the website to see why I was receiving this call to verify I do not legally owe this. I then received another phone within 20 minutes from the first call from someone who only identified herself as XXXX from a different company called XXXX XXXX recovery accounts. She stated they saw me log into that website belonging to XXXX and said I needed to pay this. I asked her who the debt was originated with and she said XXXX XXXX XXXX dated XXXX. I replied and what year is this? XXXX! I have no legal debt to you or XXXX XXXX XXXXXXXX she kept trying to ask me leading questions to try and get me to say something to force responsibility for this debt. I informed her I filed a compliant with the Missouri Attorney generals office for harassment and abuse. I informed her she was not to call me again and only to communicate via USPS and she said this debt will not disappear because you deny it they are harassing me after being told to cease and desist. 
This website for XXXX they told me to go to does not clearly state their direct mailing address nor their legal entity that identifies with whom their collections representatives are claiming to be.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
On XXXX XXXX I sent an invoice to XXXX XXXX PAYMENT AGREEMENT This Payment Agreement ( Agreement ) is entered into on this XXXX day of XX/XX/year>, by and between : XXXX XXXX, hereinafter referred to as the Recipient, and XXXX XXXX ( Rapper Celebrity/Promoter ), hereinafter referred to as the Payer. 
XXXX. EVENT DETAILS The Payer agrees to secure the services of the Recipient for a three-day event taking place at : Location : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX : XX/XX/year> through XX/XX/year> XXXX. PAYMENT TERMS The total amount due for services rendered over the duration of the event is : Total Amount : {$68000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to supply food for minimum XXXX people but possibly be more but not over 1000 ( se invoice from Seafood Soul ) Payment Method : Invoice via ACH Bank Transfer Due Date : On or before XX/XX/year> XXXX. AGREEMENT Both parties agree to the terms outlined in this agreement. The Payer acknowledges responsibility for timely payment in full. Any modifications to this agreement must be made in writing and signed by both parties. 

I Proceeded to vendor the event the client did a ach Bank Transfer which went through for a total payment of {$64000.00} after providing a contract license of client they still have yet to release the funds saying they are worried about it being a charge back. Which the longest they can hold is 90 days and then they release the funds to the merchant. but on this occasion they said they won't release the funds and asked for me to refund the money to the client and take another form of payment such as cash or check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 grieved 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 non-monetary relief
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-24 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-24 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
company requested more information to complete previous inquiry

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was stunned to find the XXXXXXXX XXXX XXXX XXXX account XXXX Account No. XXXX ), which had already been deleted, suddenly reappear on my Equifax credit report. It wasnt there last month, and I was never notified of its reinsertion. I have a letter from Equifax confirming this account was previously deletedyet it has reappeared without any notice, consent, or certification. This violates 15 USC 1681i ( a ) ( 5 ), which requires written notice within five business days and certification of accuracy before any deleted data is reinserted. That never happened. Reporting this account again without my authorization violates 15 USC 1681b ( 2 ), and failing to ensure its accuracy breaches 15 USC 1681e ( b ). I am a protected consumer under 15 USC 1681a ( 4 ) and have the right to control what appears in my credit file. I already disputed this account, and it should not have returned. If this isnt resolved and permanently deleted, I will pursue damages under 15 USC 1681n and 1681o for willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Skopos Financial, LLC
State: FL

Complaint narrative:
I took out a personal installment loan with Reprise Financial ( originated via XXXX ) with a 35.71 % APR and fixed monthly payments of {$300.00}. Several of my payments which were applied properly toward interest and principal were later reversed without notice or explanation. These reversals caused my principal balance to rise again, allowing more interest to accrue. 

For example : On XX/XX/year>, a {$1000.00} payment was applied ( with {$740.00} to principal ), then reversed that same day, pushing my balance back up. 
On XX/XX/year>, another {$1000.00} payment was processed and also later reversed, undoing principal reduction and increasing interest owed. 
On XX/XX/year>, a {$500.00} payment was restructured in a way that spiked my interest due to over {$900.00}. 

Their system reflects multiple reversals of principal reductions, which artificially extends the loan, inflates the total interest, and violates the Truth in Lending Act. Ive calculated that Ive already been overcharged by at least {$470.00} in interest. 

Im requesting : A full audit of all payment activity, Correction of my balance, Reimbursement of excess interest charged, and Regulatory review of these repeated and deceptive reversals.

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 2025-06-24 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: PA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX 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 Address : XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief