vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
I'm reaching out because theres an account showing up on my credit report that quite simply does not belong to me. Its obvious this is a case of mixed credit file information, and someone elses account is being inaccurately reported under my name. 

Let me be crystal clear : I have never opened, used, or been associated with this account in any way. This is not my debt, and this information should have never been tied to my credit history in the first place. Whether this is due to similar personal details or a reporting error, the outcome is the sameIm being affected by someone elses financial activity, and it needs to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: OR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to file a formal complaint against XXXX major credit reporting agencies, TransUnion and Experian, for their continued failure to remove derogatory information from my credit report that is more than XXXX years old, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c. 

The item ( XXXX ) in question relate to a closed, paid in full account that is over XXXX XXXX XXXX from paid date. Account is listed above. I have previously submitted disputes to both TransUnion and Experian regarding this issue, and they have conducted investigations. However, they continue to report this account, even though the FCRA explicitly prohibits such reporting.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this complaint to report the improper handling of my personal bank account and the withholding of my funds by CitiBank. 

In XX/XX/year>, I deposited a payroll check for {$3300.00} from my employer, drawn from a business account at XXXX Bank, into my CitiBank checking account. The deposit was made in person at a CitiBank branch near my place of office. 

Shortly after the deposit, CitiBank froze and then initiated closure of my account, claiming the check might be fraudulent. This was the first time I experienced such an issue in the years Ive been banking with them. The check, however, cleared, and my employer confirmed that the funds were withdrawn from their XXXX account. 

Despite this, CitiBank refused to release the funds unless I verified the phone number associated with my employers XXXX account. I provided every known phone number. I even confirmed with my employer the number used when opening the XXXX account. Still, CitiBank claimed there was no match. In XXXX conversation, I was told there was no phone number on record at all yet they still demanded verification. 

To resolve the issue, I went to the branch with my employer, who presented proof of identity, business ownership, and the legitimacy of the check. CitiBank still refused to reinstate my account or release the funds. 

Instead, they informed me that the account would be permanently closed, but I would receive a check by mail for the full account balance, which they said would be processed within XXXX months. 

As of XX/XX/year>, over XXXX months have passed and I have not received any check. On XX/XX/XXXX, I called CitiBank again and was told that the check had not even been issued, and that verification of the same phone number was still required despite the account being closed and the funds long confirmed as cleared. 

I have been patient and cooperative throughout, but CitiBank continues to provide contradictory information and has withheld my legally owned funds without justification.

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 2025-06-12 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American express basically knows someone stole the money on the gift card I purchased for my son. It was a Christmas present. There was XXXX stolen and within the last 6 months they have done nothing to rectify. They sent me a replacement card when I first called on XX/XX/year> and it had a 0 balance. The customer service is awful. I have been calling numerous times over the last 6 months and they keep saying the investigation is open. Well yesterday i received an email that the dispute was denied with no explanation. This is totally unacceptable. I was basically robbed and they know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
This letter serves as my formal dispute and notice regarding inaccurate, unverified, or non-compliant information found in my credit report. I demand the immediate deletion of any claims you can not substantiate with verifiable, documented evidence. 

As the data furnisher, you have only a conditional privilege to report. That privilege is contingent upon strict adherence to the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards outlined by the XXXX in the XXXX XXXX XXXX XXXX ( XXXX ). The XXXX clearly states that any deviation from reporting standards compromises data integrity. 

Inquiries Being Challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you continue to disregard your duty to report with accuracy and compliance, I will consider this letter as official notice prior to my filing for a writ of review in civil court. As the injured consumer, I hereby contest your assumed reporting privileges on all challenged items. 

Collections Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Being Challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information Being Challenged : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX Employer : XXXX ( inaccurate or outdated ) I discovered multiple inconsistencies in your reporting. These entries may have been reinserted without providing proper 5-day written notice, in violation of FCRA 611 ( 15 U.S.C. 1681i ). I did not receive any such notice. You are required to notify the consumer within five business days of reinserting any previously deleted item. Your failure to provide that notice is a clear violation of federal law. 

Under FCRA 604 ( 15 U.S.C. 1681b ), any inquiry or account reported must have a documented permissible purpose supported by signed or electronically signed authorization. If you can not provide such documentation, then the reported inquiry or account is unauthorized and must be immediately deleted.

I demand full proof of : Properly sourced inquiries Account ownership with documented validation Permissible purpose under FCRA guidelines Metro 2 compliance for all data fields If you can not meet these legal standards, the information must be deleted. Please send a written confirmation of deletions and an updated credit report.

Failure to comply will leave me no choice but to seek legal remedies.

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 2025-06-12 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: NY

Complaint narrative:
This letter serves as my formal dispute and notice regarding inaccurate, unverified, or non-compliant information found in my credit report. I demand the immediate deletion of any claims you can not substantiate with verifiable, documented evidence. 

As the data furnisher, you have only a conditional privilege to report. That privilege is contingent upon strict adherence to the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards outlined by the XXXX in the XXXX XXXX XXXX XXXX ( XXXX ). The XXXX clearly states that any deviation from reporting standards compromises data integrity. 

Inquiries Being Challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you continue to disregard your duty to report with accuracy and compliance, I will consider this letter as official notice prior to my filing for a writ of review in civil court. As the injured consumer, I hereby contest your assumed reporting privileges on all challenged items. 

Collections Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Being Challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information Being Challenged : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX Employer : XXXX ( inaccurate or outdated ) I discovered multiple inconsistencies in your reporting. These entries may have been reinserted without providing proper 5-day written notice, in violation of FCRA 611 ( 15 U.S.C. 1681i ). I did not receive any such notice. You are required to notify the consumer within five business days of reinserting any previously deleted item. Your failure to provide that notice is a clear violation of federal law. 

Under FCRA 604 ( 15 U.S.C. 1681b ), any inquiry or account reported must have a documented permissible purpose supported by signed or electronically signed authorization. If you can not provide such documentation, then the reported inquiry or account is unauthorized and must be immediately deleted.

I demand full proof of : Properly sourced inquiries Account ownership with documented validation Permissible purpose under FCRA guidelines Metro 2 compliance for all data fields If you can not meet these legal standards, the information must be deleted. Please send a written confirmation of deletions and an updated credit report.

Failure to comply will leave me no choice but to seek legal remedies.

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 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
In XXXX my credit card was closed by XXXX XXXXXXXX. shortly after that I began getting letters from LVNV Funding, who admitted they purchased the debt. 
On or about XX/XX/XXXX LVNV offered me a ONE TIME PAYMENT of approx. {$550.00} to settle the debit. So I paid the {$550.00}.

I never heard anything again from this company until approx. XX/XX/XXXX when I received a letter saying I never made the payment of {$550.00}. 
I wrote back explaining I already made the payment in XXXX but they said if I didn't make this payment they would destroy my credit, so I made the payment again. 
I never heard anything from this company until approx. XX/XX/XXXX when they sent me the exact type of form letter stating I never made the payment of $ XXXX said I made the payment of {$550.00} twice. They continued to write and call me threatening my credit, I said this is extortion. LVNV then sent me a copy of my payment history showing I did make the two payments of {$550.00} each totalling {$1100.00} paid and If I don't keep paying them the {$550.00}. they would destroy my credit 1 ) I said this was extortion that LVNV said if I made a ONE TIME PAYMENT of {$550.00} my debt would be settled. I made the payment twice and they still want more. 
2 ) I could have paid this debt in XXXX ten times over, but they only asked for {$550.00} as a one time payment 3 ) There is a coward inside this LVNV who refuses to identify himself that wants to destroy me and my credit This is consumer fraud, This is mail fraud I will take a lie detector test if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NV

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
XXXX. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you update my credit report with my correct address and remove any incorrect or outdated addresses. 
XXXX. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing this 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 vulnerable and u protected. Furthermore, their dispute resolution procedure was u fair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We applied for HELOC with Bank of America beginning of XX/XX/2025. We are now in XXXX  of XXXX and still there is back and forth. 
In mid XXXX after multiple back and forths, delays due to their underwriters on week long leaves we were informed that BOA has an offer. They told us that BOA will pay $ XXXX and we would need to bring {$13000.00} as closing cost. We had multiple discussions as to why we need to bring that money when we have already paid significantly towards our debt and our debt to income situation has already improved. BOA said they dont look at our updated credit report. 
Reluctantly and to comply, we sold some of our stocks, arranged for the $ XXXX, opened a new BOA checking account and deposited there. 
Now, they came up with a new item - according to them they missed to account for an expense we owe - the montly HOA amount of {$270.00} and accounting for that increases our debt so they need to reevaluate. 
XXXX {$270.00} per month is not a big number. We worked with BOA to figure out our options. Sad part is this is their offer - BOA will loan us additional $ XXXX for us to pay for our XXXX car leases so that liability is off us. But alongside that they want us to return those cars that we have paid for for the next 2 years now. 
So, the reason I am complaining is - there is no transparency, complete lack of care for customer and their finances and total disregard for the fact that Customer has an impact. We arranged for $ XXXX. We opened an account per their instructions. They were the ones who missed the HOA payment of {$270.00} and now they want us to pay off {$780.00} worth of debt when the issue was only {$270.00} per month of gap. 
What they say and whats actually happening behind the scenes is totally different. Are they running a business or are in the business of humiliating their customer be saying one thing one time and another thing another time?

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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Early Warning Services for reporting fraudulent bank accounts under my name. I am a victim of identity theft, and these accounts were not authorized or opened by me.

Despite my efforts to resolve this matter, these accounts remain on my record and are negatively affecting my financial standing. I have submitted the necessary documentation verifying my identity and the identity theft, but the issue has not been corrected.

I am requesting that the CFPB investigate this matter and assist in having these fraudulent accounts immediately removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report 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