vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: IL

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$7500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-20 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion XXXX. XXXXXXXX XXXX XXXXXXXX PA XXXX FINAL DEMAND IMMEDIATE DELETION REQUIRED Dear TransUnion Let me be VERY clear I am tired of your blatant violations of my rights under federal law. This is my SECOND and FINAL written demand regarding the inaccurate, unverifiable, and ILLEGALLY reported account ( s ) listed below : Account Name : XXXX XXXX Account Number : XXXX 15 USC 1692g ( b ) : Debt Validation Instruction : Provide documentation proving the validity of this debt, including the original creditor 's name and the breakdown of charges or DELETE this account immediately Account Name : XXXX XXXXXXXX Account Number : XXXX 15 USC 1692g ( b ) : Debt Validation Instruction : Provide documentation proving the validity of this debt, including the original creditor 's name and the breakdown of charges or DELETE this account immediately Account Name : XXXX Account Number : XXXX 15 USC 1692g ( b ) : Debt Validation Instruction : Provide documentation proving the validity of this debt, including the original creditor 's name and the breakdown of charges or DELETE this account immediately Despite prior notice, you have continued to allow the reporting of this harmful and false information on my credit profile a reckless violation of my consumer rights.

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 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I am the former co-maker of two joint spousal consolidated student loans with my ex-husband through Sloan. In XX/XX/XXXX, I applied to have my portion of the loans separated from my ex-husband 's balance under the Joint Student Loan Separation Act. I was approved for this separation in XX/XX/XXXX, and have new loans with XXXX under my name only for my portion of the balances we had with Sloan. The new XXXX loans appear on my credit report as they should. 

I received a letter from Sloan in XX/XX/XXXX stating that my portion of the loans was moved to a separate loan and that I am no longer responsible for the balance remaining. However, the accounts, and remaining balances and payments that belongs to my ex-husband are still appearing on my credit report. The accounts shows " individual '' now rather than " joint '' but I am not the responsible individual. 

I understand that Sloan needs to report the history of this loans on my credit report for the time period in which I was the co-maker. However, I am no longer the co-maker and the balance belongs 100 % to my ex-husband. On my credit report, the balances need to show XXXX with zero payments due.

Sloan contining to report balances and payments due on my credit report when the loans no longer belong to me affects my income to debt ratio for lending and reports over {$200000.00} in debt that I do not have.

I have filed two disputes with all three credit bureaus and the results of those disputes came back that the loans do belong to me. While this is true concerning the HISTORY of these loans, the BALANCE and PAYMENT DUE are NOT mine. I am no longer responsible for these accounts and this needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
These people are a bunch of criminals and in breach of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: NJ

Complaint narrative:
A while ago, a little over 3 months ago, I had tried to deposit a few checks through the Chime mobile app. Unfortunately, the accounts were closed out, which I was unaware of, so the checks were bad, and it flagged the checking activity as suspicious, so it disabled mobile checks.

Today, XX/XX/XXXX, I reached out to Chime member services through chat, like the check page is telling me to do, and after speaking to multiple representatives at about XXXX, XXXX , a supervisor named XXXX , and XXXX , I get told that there's nothing they can do, however, XXXX mentions that it can sometimes automatically be removed, so clearly something can be done. I asked for further information, but he closed my chat without notice.

I want my deposit feature to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding the poor handling of my account by Cash App ( Square , Inc. ) and their customer service team. 

On XX/XX/year>, my Cash App card was frozen without warning, leaving me with no access to my funds. I immediately contacted customer support to understand why this happened, but was told they could not provide any details for security reasons. Despite verifying my identity through various questions ( email, phone number, etc. ), I was given no specific information about the issue or how to resolve it.

I was told that my case was being escalated to a manager however, two different managers responded, both times through no-reply emails that repeated information I already had. The first manager message instructed me to go back to customer service if I had further questions ( despite them being the ones who escalated it in the first place ). The second message was just as unhelpful. Its unacceptable that there is no option to speak with a manager directly, and that Im forced into a one-sided, broken communication system during a financial emergency.

I have called over 5 times since this began. Ive repeatedly explained that my car is in danger of repossession by XX/XX/XXXX, yet my case still isnt resolved. Cash App has offered no timeline, no updates, and no real support, all while holding funds that I need to prevent serious harm to my credit and ability to get to work.

I also find it contradictory that Im asked to verify my identity using personal details, yet Im not allowed to know what triggered this freeze for security reasons. It feels like Cash App is hiding behind vague policy language rather than offering meaningful help or transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: AZ

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX EXPERIAN XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Last 4 SSN : XXXX XXXX : XX/XX/year> Dear : XXXX, Transunion, XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Request for Removal of Fraudulent Account from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of a fraudulent Account that appears on my credit report. The account in question is not mine, and I believe it is the result of identity theft. 

The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX Amount : Unknow I discovered this account while reviewing my credit report, and I did not authorize or initiate this loan. I have filed a FTC report and placed a fraud alert on my credit file. Attached are copies of the FTC report, my FTC Identity Theft Report, and a government-issued ID as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA Section 605B ), ( 15 U.S.C.1692 ), ( IRC 26 U.S.C.6050P ), ( I am requesting that this fraudulent account be immediately investigated and removed from my credit report. Please confirm in writing once this account has been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-06-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-20 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint to report an unfair and unresolved issue involving the sudden and unexplained closure of my American Express credit card account. 

On XX/XX/year>, American Express closed my credit card account without advance notice or any explanation. At the time of closure, my account had accumulated over XXXX Membership Rewards points, with an estimated value exceeding {$10000.00}. 

I have responsibly managed my account, always paying balances on time and maintaining a strong credit history. Since the unexpected closure, I have contacted American Express multiple times to request the reason for this action and to seek reinstatement of my account. To date, I have received no clear explanation or resolution. 

This practice is unacceptable and raises serious concerns regarding transparency and fair treatment of customers. The sudden closure of my account without cause or warning, while holding a large balance of Membership Rewards points, has caused me potential financial harm. 

Resolution Requested : I request immediate reinstatement of my American Express credit card account and restoration of full access to my XXXX Membership Rewards points. Alternatively, I seek a clear and documented explanation for the account closure and a full redemption or cash reimbursement of the rewards balance ( valued at over {$10000.00} ). 

I respectfully ask the Consumer Financial Protection Bureau to investigate this matter and ensure that American Express resolves this issue in a fair and transparent manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One repossessed my vehicle after it had been totaled in a fire and towed to a yard. I was never notified of any repossession action. Capital One later claimed they attempted to call me, but they repeatedly used the wrong number despite having my correct number on file. I was not given any opportunity to retrieve the vehicle, respond to the issue, or settle the account before they marked it as a repossession. The MANUFACTURER of the vehicle went to investigate the fire to pay it off and then notified me it was no longer there AFTER being told multiple times with my number to several reps that someone was going look at the vehicle PLEASE NOTIFY THE ACCOUNT AND EMPLOYEES FAILED. There was a lawsuit filed in XX/XX/year> for the exact same reason. 

I submitted a dispute, and Capital One denied it without providing documentation or addressing the notice issue. This has caused damage to my credit, and I believe it violates my rights under the Fair Credit Reporting Act and proper repossession procedures. 

I am requesting that Capital One remove or correct this negative item on my credit report due to the lack of proper notice and mishandling of communication. 

The manufacturer ended up settling even though capital one screwed me over and left my family in a bind because after XXXX paid to them it was marked repo. Its quite disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
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 explanation
Consumer complaint received 2025-06-20 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:
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 non-monetary relief
Consumer complaint received 2025-06-20 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX ID : XXXX Date of birth XXXX SSN : XXXX ID type : Driver license ID number : XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Fl XXXX Early warning services LLC XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Fax number XXXX I am writing to request an investigation of the following information that appears on my early warning system consumer report. I have NEVER open or used the following accounts Bank name : XXXX  XXXX XXXX Florida Bank routing # XXXX Account # XXXX Open date : XX/XX/XXXX Bank name : XXXX Bank Bank routing # XXXX Account # XXXX Date open : XX/XX/XXXX I dont recognize the following accounts in questions. I am a victim of identity theft and I dont recognize these accounts on my report. XXXX requesting the following information, be deleted from my early warnings consumer report immediately. Ive attached a copy of this report to this request Thank you for your assistance Sincerely XXXX XXXX

Company response to consumer: Closed with explanation