vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

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! 


DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-23 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: OH

Complaint narrative:
After numerous inaccurately and incompletely information and filing complaints through CFPB the company responded with the fact they have know of possible fraud and did nothing about it even though I have requested the negative information be removed. At this time with there own documentation they submitted to CFPB I request the account be removed immediately from all credit reporting agencies due to incorrect and incomplete information under federal law and FCRA and CFPB regulations possible fraud is enough to remove the account immediately.

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 2025-11-23 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: OH

Complaint narrative:
After numerous inaccurately and incompletely information and filing complaints through CFPB the company responded with the fact they have know of possible fraud and did nothing about it even though I have requested the negative information be removed. At this time with there own documentation they submitted to CFPB I request the account be removed immediately from all credit reporting agencies due to incorrect and incomplete information under federal law and FCRA and CFPB regulations possible fraud is enough to remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I received 1 call regarding the debt. I then saw that it was reported to my credit report. The debt has been paid directly to XXXX. I am just days away from closing on my home and this collection has shown up. If calls and letters were sent specifying debt and date to pay, this would have been adhered to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Three complaints that I submitted here on XXXX the XXXX to Experian transunion and Equifax are still open have not been addressed have not been anything and that XXXX is still on my credit report and I demanded it be taken off today now.

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 2025-11-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b'CFPB COMPLAINT NARRATIVE\nThis packet includes all fraud claims:\n XXXX XXXX  Card ending XXXXXXXX XXXX XXXX   Card ending XXXXXXXX XXXX  XXXX   Card ending XXXX XXXX XXXX   Card ending XXXXXXXX XXXX XXXX  Card ending XXXX\nAll disputed transactions occurred while I was XXXX  from XXXX XXXX through XXXX XXXX\nI had zero access to:\n My card\n My mail\n My phone\n Verification codes\n Account credentials\nBank of America denied these claims without providing proof of authorization as required under:\n Regulation E  12 C.F.R. 1005.11(c)(4)\n Electronic Fund Transfer Act  15 U.S.C. 1693g(a)\nThis packet includes:\n All Regulation E letters\n Certified incarceration documents\n Time-served documentation\n Official custody history'

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 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one asked for my social security through fax by XX/XX/year> i sent it to them on XX/XX/XXXX they received it by XX/XX/XXXX and said they couldnt quite make out the information and asked me to send a picture through email which i did and i go onto my account a couple days later and it said my details have been updated and then the next day they closed my account and said they failed to receive my email

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against CASH APP ( BLOCK INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account volunerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer AC ( EFTA ) AND Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALCHRO INC.
State: OH

Complaint narrative:
First Federal Credit & Collections was notified of my complaint on XX/XX/year> And till this point XX/XX/year> has just disregard FCRA and CFPB regulations by not replying to my legitimate complaint. This is the second complaint I will be filing and will be taking legal action under FCRA regulations violating my consumer credit rights. Also by not following federal law and replying to the CFPB complaint they are again also in violation of numerous XXXX XXXX compliance laws.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-23 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: OH

Complaint narrative:
After numerous inaccurately and incompletely information and filing complaints through CFPB the company responded with the fact they have know of possible fraud and did nothing about it even though I have requested the negative information be removed. At this time with there own documentation they submitted to CFPB I request the account be removed immediately from all credit reporting agencies due to incorrect and incomplete information under federal law and FCRA and CFPB regulations possible fraud is enough to remove the account immediately.

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 2025-11-23 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Someone used my information and opened an account with this company, this is identity theft and it should have never been opened : NATLCRSYS for XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX and balance {$600.00} I have not lived in Texas since XXXX and this company did not verify the identity correctly before opening the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CA

Complaint narrative:
under section 605 B all fruDULENT IFORMATION ANDACCOUNTS BE REMOVD AD I DONT WANT HIS MATTER TURNED INTO A THIRD day or party mattr everything removed within 4 days

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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.

Complaint narrative:
Dear staff, i am a customer of citi bank. A few month ago i realized that i can not login my citi bank account, but i am pretty sure my user name and password are correct. And i can still receive email from citi bank about the daily statement. I left XXXX several years ago, so i changed my mail address, and i can also receive the mail from citi. And several weeks ago i got the mail from citi which said it will close my account and i dont know the reason ( maybe i didnt use the account for several years ), and it said that if i have question i can XXXX. i called the number but the staff ask me to provide a XXXX phone number to verify myself, but i have already left XXXX and i dont have a XXXX XXXX, although i can provide my card number, account number, and they said no. And today i got mail from citi again, and told me my acc has been closed, i still have over XXXX in my XXXX. Since i can not verify myself without XXXX, the customer service can not answer my any question.besides my account has been deducted XXXX usd every month for over XXXX year, i remember when i left XXXX, the staff in citi told me that as long as my acc balance are above XXXX usd, they wont charge me any extra fee! First i want to get the deducted fee back, second I want to know where is my money and how can i get it back. 
Thank you so much!

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 monetary relief
Consumer complaint received 2025-11-23 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:
under section 605 B all fruDULENT IFORMATION ANDACCOUNTS BE REMOVD AD I DONT WANT HIS MATTER TURNED INTO A THIRD day or party mattr everything removed within 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CA

Complaint narrative:
under section 605 B all fruDULENT IFORMATION ANDACCOUNTS BE REMOVD AD I DONT WANT HIS MATTER TURNED INTO A THIRD day or party mattr everything removed within 4 days

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: SC

Complaint narrative:
I submitted a XXXX XXXX Request to LexisNexis under the FCRA, requiring a full file disclosure, data-lineage verification, and permanent suppression of inaccurate information. During this XXXX XXXX process, LexisNexis reinvestigated my public record data and permanently deleted my bankruptcy from their system. Because the source of the bankruptcy no longer exists within LexisNexis, that information can no longer be verified, furnished, or legally reported. 

However, after deleting the bankruptcy during the XXXX XXXX reinvestigation, LexisNexis failed to complete the legally required downstream corrections. Under FCRA 607 ( b ), 611 ( a ) ( 5 ) ( A ), and 611 ( d ), LexisNexis must notify all agencies, resellers, and data partners who previously received the now-deleted bankruptcy record. LexisNexis is also required to provide corrected information and ensure those third parties delete or update the data accordingly. 

LexisNexis did not send these mandatory deletion notices. As a result, other consumer reporting agencies are still reporting a bankruptcy that no longer exists in the LexisNexis system and can no longer be verified at the source. This has caused continued inaccurate reporting and potential financial harm because the outdated bankruptcy remains active in multiple systems even though it was formally removed through their XXXX XXXX investigation. 

LexisNexis failure to send required downstream notifications has resulted in ongoing violations of the FCRA, the accuracy requirements under 607 ( b ), and their responsibility to ensure all furnished data remains current and verifiable. I am requesting that LexisNexis immediately issue downstream deletion notices to every agency, affiliate, and data subscriber that previously received the bankruptcy information, require deletion of the inaccurate record, and provide written confirmation of all corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: GA

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! 


DPT EDXXXX - XXXXXX/XX/XXXX XXXX DPT EDXXXX - XXXX XX/XX/XXXXXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDAIDV - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: NC

Complaint narrative:
Someone used my ssn to rent an apartment and open multiple utility accounts, I have not lived in XX/XX/XXXXsince XXXX. None of these collections are mine, after relentlessly trying to get removed and show it was identity theft the companies continue to harm my credit score : XX/XX/XXXX opened XX/XX/XXXX and balance {$1000.00} for XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX and balance {$600.00} for XXXX at theXX/XX/XXXXXX/XX/XXXX and balance {$480.00} for XXXX XXXX XXXX XXXX XXXX And someone also used my ssn to apply for an auto loan that resulted in multiple inquires from the XXXX Dealership running my credit, this is identity theft and harming my credit when it is identity theft : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: WA

Complaint narrative:
I had a self builder account loan. I paid the loan off early on XX/XX/XXXX. I received an email on XX/XX/XXXX stating I would receive my payout XX/XX/XXXX. I called 2 times and received an email XX/XX/XXXX stating my account was under review for unverified info and my payout would be held for up to 90 days. When I called to ask why my payment is withheld they said that information is private and violates security protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
* * CFPB COMPLAINT - FIRST TECH FEDERAL CREDIT UNION ( CREDIT CARD ) * * * * Your Information : * * - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX - Phone : XXXX * * Account Information : * * - Creditor : First Tech Federal Credit Union - Member Account Number : XXXX - Credit Card Account ending in : XXXX XXXX XXXX - Amount : {$37000.00} * * Issue : Inaccurate Charge-Off Reporting * * I am disputing the accuracy of the charge-off reported on my credit report for the above credit card account, which was closed XX/XX/XXXX. 

First Tech Federal Credit Union has reported this account as charged off as bad debt, canceled by credit grantor with a past due amount of {$37000.00}. However, I have never received IRS Form 1099-C ( Cancellation of Debt ) for this account.

Under IRS regulations ( 26 USC 6050P and 26 CFR 1.6050P-1 ), creditors must file Form 1099-C with the IRS and provide a copy to the debtor when {$600.00} or more of debt is cancelled or discharged. A charge-off constitutes cancellation of debt for tax purposes. Since I have not received Form 1099-C, one of the following must be tru
e : 1. The debt was not actually charged off, making the credit reporting inaccurate, OR 1. First Tech Federal Credit Union failed to comply with IRS reporting requirements Additionally, I have had no income since XXXX due to XXXX. I have exhausted all retirement savings, 401k, stocks, and bonds. I have no assets and no ability to repay this debt. Every month is a struggle to remain housed and fed.

* * I am requesting : * * 1. Proof that this debt was actually charged off 1. Copy of IRS Form 1099-C filed for this account 1. Complete account history showing all transactions 1. Original signed credit card agreement If First Tech Federal Credit Union can not provide Form 1099-C demonstrating proper charge-off and tax reporting, I request immediate deletion of this item from all credit bureaus.

Under the Fair Credit Reporting Act, creditors must investigate disputes and verify the accuracy of their reporting or remove the item.

* * Desired outcome : * * Immediate removal of this account from all credit bureaus. 

-

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 2025-11-23 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: FL

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! 


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/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 explanation