vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: AL

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 explanation
Consumer complaint received 2025-11-21 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: AR

Complaint narrative:
I am disputing the accuracy and completeness of the accounts listed below. These accounts are reported as charged off, and I believe there are discrepancies in how they are being reported, including potential inaccuracies regarding the balances and dates of delinquency. 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$7800.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$5100.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$8100.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$6500.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$6300.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$430.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$7800.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$9600.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$120.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$77.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
Account number XXXX XXXXXXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX High credit XXXX I checked my credit report and noticed this account is fraudulent and is negatively impacting my credit. I need you to remove it, please, as it could affect my ability to get credit in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: IL

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 1681XXXX, 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 explanation
Consumer complaint received 2025-11-21 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: IL

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 1681XXXX, 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 explanation
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-21 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: TX

Complaint narrative:
I have disputed these XXXX accounts more than XXXX  times and submitted prior CFPB complaints. The credit bureau continues to verify the accounts even though the furnisher has not provided legitimate documentation to prove accuracy. 

The bureaus investigation relies solely on XXXX internal records through e-OSCAR, which is insufficient under the XXXX XXXX. TransUnion ruling. 

There are clear inconsistencies proving the data is inaccurate : Different Date of Last Activity for the same account Mixed status reporting ( Open, Charge-off, and Closed ) Missing original creditor documentation No chain of assignment No contract or application proving the debt belongs to me This shows a failure to conduct a reasonable reinvestigation under FCRA 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
Removal of disputed accounts must follow the legally established timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chainlink Services LLC
State: DE

Complaint narrative:
I made a payment to Chain Link LLC using my XXXX XXXX credit card and was charged an additional {$6.00} fee. After reviewing the original agreement that created this debt, I confirmed that there is no language authorizing any additional fees, including convenience, processing, or pay-to-pay fees.

Under the Consumer Financial Protection Bureau ( CFPB ) advisory opinion and the Fair Debt Collection Practices Act ( FDCPA ), a debt collector may only collect fees that are expressly authorized in the original agreement or permitted by law. Because the {$6.00} fee is not authorized, I believe Chain Link LLC is in violation of the FDCPA.

I contacted the company requesting removal of the fee and legal justification, but I am filing this complaint to ensure the matter is properly reviewed and addressed. 
I gave the company chain link my information on behalf of XXXX XXXX on XXXX XXXX with the agreement to pay XXXX every month yet I see they charged XXXX plus a additional charge in which no where on the agreement is this charge stated for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: OneMain Finance Corporation
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI was only paid around $XXXX, this company scammed me and stole over $XXXX  from me to pay for products and excessive fees.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TN

Complaint narrative:
Company : Cash App ( Block, Inc. ) Issue : Locked account / funds being withheld due to unreachable sponsor My Cash App account has {$3900.00} in it and Cash App has locked the account because it was originally created under a sponsored account when I was a minor. 

I am now an adult, and I have fully verified my identity, but Cash App refuses to remove the sponsor unless the original sponsor contacts them. 

The sponsor is permanently unreachable. I no longer have any relationship or contact information for them. Cash App support has repeatedly told me there is nothing they can do, which prevents me from accessing my own money. 

Cash App is withholding my funds with no valid path to recovery, even though I am the verified owner of the account and have provided all identifying information. 

I am requesting that Cash App : Remove the sponsor from my account OR Convert my account to a fully verified adult account OR Provide a way to cash out or transfer my funds Cash Apps refusal to allow me to access my own money, despite being fully verified, is effectively holding my funds hostage. I am requesting CFPB assistance to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
This letter is in response to notices from your company and concerns raised by your erroneous reporting to the credit bureaus, negatively impacting my credit report. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, I dispute your claim, and I am seeking validation, not verification.

I am not requesting proof of my mailing address but competent evidence of any legal obligation to pay you. Please provide : 1. Details of the debt, specifying the amount owed.

2. Explanation and breakdown of how the claimed amount was calculated.

3. Copies of any agreements demonstrating my commitment to pay.

4. Verification or a copy of any applicable judgment.

5. Identification of the original creditor.

6. Confirmation that the statute of limitations has not expired.

7. Proof of your license to collect in my state.

8. Your license numbers and registered agent or agent of service.

If your offices have reported validated information to any major credit bureaus ( XXXX XXXX XXXX XXXX ), any negative mark found may result in legal action, including but not limited to violations of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and defamation of character.

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 2025-11-21 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:
Disputed accounts have to be resolved and removed within legally required timeframes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of 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 explanation
Consumer complaint received 2025-11-21 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: NV

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation