vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be
disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-18 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 formally disputing the late payment currently reported on my credit file. This entry is inaccurate and does not reflect my consistent history of on-time payments. Its continued presence misrepresents my financial responsibility and unjustly harms my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Vehicle loan refinanced from {$7000.00} to XXXX and I was given XXXX XXXX XXXX. After the refinancing I was advised to include a gap insurance with their insurance company which I did. 
Unfortunately one year later the vehicle was involved in an accident. I informed them that the Vehicle was involved in an accident and they advised me to contact the victims insurance since he was at fault. I did contact the insurance XXXX  and at the end they totaled the vehicle and benefits of {$6800.00} was paid to them. My surprise was that as soon as I reported the incident to XXXX XXXX XXXX canceled my gap insurance without any reason and when I demanded all the said was I can not get two insurance to pay for the car even though they advised me to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: RI

Complaint narrative:
I dispute Nelnet account XXXX. Transfers/ servicer changes caused duplicate and conflicting entries, violating FCRA 607 ( b ). Under 611 ( a ) | request verification with the signed promissory note ( s ), full payment history, and accurate status coding. If unverifiable or duplicative, delete per 1681 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NC

Complaint narrative:
There is a car repossession on there dated XXXX in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NC

Complaint narrative:
There is a car repossession on there dated XXXX in the amount of 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 2025-09-18 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: NY

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
I visited First National Bank XXXX XXXX branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX on XX/XX/year> trying to withdraw {$9500.00} cash when my available balance was over {$12000.00}. I was told that I can only withdraw {$3000.00} today and the bank requires advance notice for large withdrawals. I was annoyed by this restriction and asked the bank associate why that's the case and why am I not able to withdraw the money that I own. The bank associate told me that it's their bank policy and I asked for a copy of their bank policy that has this restriction. The bank associate was not able to produce such policy and I moved on to withdraw {$3000.00} and provided him the notice that I intend to come back tomorrow ( XX/XX/year> ) to withdraw the remaining {$6500.00} and he told me that an advance notice requires 7 days, and I'm not able to get my {$6500.00} withdraw tomorrow. I was very frustrated at this point and questioned again on this policy that limited my withdraw. The bank associate then shifted the story and told me that's their branch policy ( instead of bank policy ) based on the volume of cash on hand that day and they are not able to offer me more than {$3000.00} withdraw today. I got even more frustrated by this answer because there's another customer right next to me making the cash deposit and his bank associate confirmed the deposit amount to him of over {$4000.00}. I asked my bank associate how is it possible that a regular functional bank can be low on cash and not have enough money for customer 's withdraw? I told him the customer next to me just deposited {$4000.00} cash, and that's been recorded and available to the bank. Why can't the bank make that {$4000.00} available for my withdraw? The bank associate had no words to my question. Then he asked me how I like to have my {$3000.00}, at this point I was beyond shocked and asked him straight up, if the bank cash volume is low and the bank is not able to offer me {$9500.00} cash withdraw today, how is it possible that I have the option to choose how I like to get my {$3000.00}? If what you are telling me is true, then there's shouldn't be any choice on how I get my {$3000.00} cash. I should be getting whatever the bank has in its possession, {$5.00}, {$20.00}, {$50.00}, or {$100.00} bills. Again, the bank associate has no words for my question and I proceeded to ask for $ XXXX and in an instant he was able to produce XXXX  {$100.00} bills. I told him straight that the reason I am so upset is because he's not telling me the real reason why I am only able to withdraw {$3000.00}. Instead, I was being fed with bunch of lies and this bank acted like it doesn't care in the slightest trying to hold my money XXXX, when there are so many signs point to that the bank has more than enough cash to cover my withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have identified collection accounts on my credit report that I believe contain inaccurate information. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a false collection on my credit report which they don't have any proof is mine. this is false report and i want his delete asap.

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 2025-09-18 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: FL

Complaint narrative:
I want to make it absolutely clear that this complaint is not made in error. My credit report contains inaccuracies that undermine its integrity and have been weighing heavily on me. These errors continue to cause significant and unfair harm to both my financial standing and personal well-being. This matter is critical, and I expect it to be addressed with urgency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Checking account, credit card, and home loan applied for and opened under my name without 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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: GA

Complaint narrative:
I am writing to formally request an escalation and further investigation into a fraudulent transaction that was processed through my Cash App account. Despite multiple attempts to resolve this issue through your standard support channels, my concerns remain unaddressed and unresolved. 

A merchant debited funds from my account but failed to fulfill their obligation to deliver the goods/services as promised. I reached out to the merchant directly to inform them that I never received the product, and no resolution was provided by them. I subsequently reported this transaction to Cash App as fraudulent. 

However, I received a response from Cash App stating that the merchant fulfilled their obligation. I requested supporting documentation to substantiate this claim ( i.e., proof of delivery, receipt of goods, or acknowledgment of service ), but no such documentation was ever provided. 

As a result, I am left at a financial loss due to a transaction that I maintain is fraudulent. Cash Apps refusal to properly investigate or provide transparency in its findings raises serious concerns about how the platform protects its users from unauthorized or dishonest activity. 

I am requesting the following : A complete record and documentation of the investigation conducted by Cash App regarding this transaction. 

Specific evidence that was used to determine that the merchant fulfilled their obligation. 

Clarification on Cash Apps policy and obligations when handling fraud claims from customers. 

An explanation of what protections are in place for users in disputes involving undelivered goods or services. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
Paid off and requested American Express account closed as of XX/XX/year>. 

Account still open as off XX/XX/year> with additional charges added on after close date and getting harassing phone calls. 

Spouse not signed on account getting harassment by phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
{$60000.00} ( XXXX XXXX dollars ) wire transfer was done on XX/XX/XXXX. the person named as beneficiary has not received the funds. therefore, I requested the recall. contacted Citi wire transfer department to take care of the problem. was told it will take about 10 business days to contact me. unfortunately, never happened. on XX/XX/XXXX contacted Citi and was told it will take 1 business days. i have contacted Citi numerous times about it and have not received my fund. I'm very disappointed and frustrated with Citi being not professional. To my understanding Citi stole my money. 
I am requesting {$10000.00} for the restitution from Citi for being mistreated. 
It a shame that Citi has no respect for their customers. I've been with Citi for over 17 years. very, very disappointed

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 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing fraudulent accounts currently listed on my credit report. I did not open or authorize these accounts, and their inclusion is entirely false and misleading. These entries have caused significant damage to my credit profile and misrepresent my financial 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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because all three major credit reporting agenciesXXXX, Experian, and XXXXcontinue to report a late payment on my XXXX XXXX XXXX XXXX account, account number XXXXXXXX XXXX XXXX XXXX XXXX, activity date XX/XX/year>. This account is fully paid, with a XXXX past due balance, yet each bureau continues to reflect it inaccurately as late. This persistent error is severely damaging my credit scores, my ability to obtain favorable financing, and my overall financial reputation.

Under 15 U.S.C. 1681e ( b ), all credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Reporting a false late payment on a fully satisfied account is a clear violation of this statutory requirement. Furthermore, under 15 U.S.C. 1681i, the agencies are required to conduct a reasonable reinvestigation of any disputed information. Despite my repeated disputes and provision of documentation confirming the accounts fully paid status, none of the three bureaus have corrected this error. Each has simply continued to perpetuate inaccurate reporting, which is unacceptable under federal law.

The continued reporting of this inaccuracy has caused tangible financial harm. I have been denied credit opportunities and offered less favorable loan terms solely because these false late payments appear on my reports. For example, when applying for a recent personal loan, the lender referenced my credit report and indicated these negative items as the reason for a higher interest rate. The financial impact is substantial, and the emotional toll has been extreme : I have been forced to repeatedly dispute an error that should have been corrected long ago, leaving me frustrated, stressed, and burdened with unnecessary financial uncertainty. 

The continued failure of XXXX, Experian, and XXXX  to correct this inaccuracy constitutes noncompliance with 15 U.S.C. 1681n, which establishes civil liability for willful violations of the FCRA, as well as 1681o, which establishes liability for negligent noncompliance. The law is clear : if a reporting agency can not substantiate the accuracy of the information, it must remove it from the consumer report. Maintaining this false late payment despite my disputes is a direct violation of my rights under the FCRA.

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 2025-09-18 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: PA

Complaint narrative:
To whom this XXXX concern ; My name is XXXX XXXX XXXX and this is not a 3rd party filing this complaint. Attached to this complaint are several INACCURATE accounts that are being reported on my consumer report. Please remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
To whom this XXXX concern ; My name is XXXX XXXX XXXX and this is not a 3rd party filing this complaint. Attached to this complaint are several INACCURATE accounts that are being reported on my consumer report. Please remove 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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

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

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 2025-09-18 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