vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: IN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am unable to gain access to my Equifax AND Experian credit report on AnnualCreditReport.com. I have already called Equifax XXXX  and spent over an hour on the phone trying to resolve this, but the issue is still not fixed. This has become extremely stressful because Equifax is also blocking my information on credit-monitoring services. I can not view the information they have about me or how anything is being reported. 

When I apply for credit, I am being declined because lenders can not identify me when they run Equifax, and Equifax blocks them as well. I have tried every avenue I can think of, but nothing has worked. I need this resolved so I can move forward with my life. 

Experian consistently tells me that I can not get my annualcreditreport. They block access to their credit monitoring as well. 

I am requesting that Equifax and Experian fix whatever is blocking or restricting my credit reports, remove any identity-verification lock, and restore my access so I can view, monitor, and use my credit normally. I was recently approved for a credit card then closed because of verification issues. I was denied employment and i believe this denial was a result of my credit being blocked too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX of XXXX  a XXXX  inquiry was submitted by XXXXXXXX. On XX/XX/XXXX called experian to dispute the inquiry. The customer service representative stated that they can not dispute this issue.

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 2025-11-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OK

Complaint narrative:
My phone was stolen and I just now am now getting a phone on I got an email saying that my cash app email have been unlinked for my both my personal and business accounts and I can no longer access them and I got money those put on there and I can't access it I can't even log into cash app to tell them about it Somebody stole my identity I believe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I have been paying for a XXXX  XXXX XXXX for XXXX  years. I have made XXXX payments and have paid over XXXX dollars so far. I noticed that for the last year and a half the amount owed has not dropped. No matter how many payments I make the amount owed stays in the XXXX or more range. It doesn't add up and Exeter Finance is taking advantage of me and causing my life to be way harder than it needs to be. I understand that I signed an agreement with them but I didn't sign an agreement to be taken advantage of. They are very dishonest and the amount of stress they cause is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
I am writing to dispute several items on my credit report. Below are the accounts that I believe are being reported incorrectly, and I request that you investigate and correct the information as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX  XXXX  : XXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} XXXX  XXXX  : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX  : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} Inquiries XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX

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 2025-11-25 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: TN

Complaint narrative:
I am submitting a dispute for the following accounts on my credit report. Please investigate these accounts for accuracy, as there are discrepancies in the reporting. Below are the details of the accounts in dispute, separated by credit bureau. 
Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
I am writing to dispute several items on my credit report. Below are the accounts that I believe are being reported incorrectly, and I request that you investigate and correct the information as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX  : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  : XXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX XXXX  : XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX  XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX  : XXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} UNAUTHORIZED COLLECTION : XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} Inquiries XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date XXXX XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court United States XXXX XXXX for the XXXX XXXX XXXX Alabama that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known XXXX-XXXX data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX  lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-11-25 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple XXXX  regulations governing credit reporting. 

XXXX XXXX XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ALCAR INC.
State: TX

Complaint narrative:
On XX/XX/year>, I received an email from XXXX XXXX XXXX XXXX my loan was approved, and that the next step was to log into my account and review and accept the final terms. The message also stated that once I accepted the offer, the lender would perform a hard credit inquiry. 

I followed the instructions and clicked to accept the loan offer. As soon as I did, the lender performed the expected hard inquiry. However, immediately after the hard inquiry was completed, the system instantly declined my application. 

Later the same day, I received an adverse action notice stating that the reason for denial was a disqualifying event : new hard inquiry. The only inquiry that occurred was the one performed by the lender, which was required in order to accept the offer. 

In other words, the lender told me I was approved, instructed me to accept the loan, performed its own hard inquiry as part of that process, and then denied me because of that same inquiry. This is contradictory, misleading, and appears to be an error in the lenders automated approval system. 

I followed every step exactly as directed. The lenders system penalized me for completing the action they required to move forward. I am requesting a review and correction of the denial, and for the lender to address the system error that caused this situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I wish to formally dispute the referenced accounts, as I have no affiliation with them and did not approve their creation. I request that they be reviewed and removed as appropriate. Documentation is attached for your consideration.

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 2025-11-25 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: MO

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under XXXX XXXX XXXX, XXXX XXXX, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year>, XXXX Bank of America account was suddenly blocked and then closed without any prior notice, warning, explanation, or opportunity to verify transactions. The only communication was a closure letter dated XX/XX/XXXX stating that the decision was final but giving no reason. 

All recent activity on the account was legitimate : a {$660.00} XXXX repayment from a friend and international transactions aligned with my documented travel. Despite this, Bank of America never contacted me before taking adverse action. My online banking access was also XXXX, preventing me from reviewing or responding to anything. 

I made multiple attempts to obtain information : several calls to customer service, contact with XXXX financial center advisors, calls to the XXXX department, and an in-person branch visit. No one was able to provide any explanation. 

After my first complaint, the bank assigned a XXXX Complaints Resolution XXXX and provided XXXX phone numbers for contact. I have repeatedly tried to reach this XXXX, but none of the calls have been answered, and no follow-up email has been provided. The bank stated I would receive a response within XXXX hours if I called, but this has not happened. 

I remain without an explanation for the account closure, without access to funds, and without any communication from the person assigned to my case.

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing an escalated complaint because Venmo has refused to investigate an unauthorized electronic fund transfer that was induced by fraud and sent to a fraudulent account impersonating a legitimate business. This is not a purchase dispute and should not be treated as XXXX. 

On or about XX/XX/year>, I attempted to pay a verified business and was deceived by a fraudulent Venmo account using the businesss name and identity. I did not authorize a transfer to this fraudulent payee. My claim is that Venmo allowed an impersonating account to remain active, causing deception and loss. 

Venmo denied my claim by only evaluating whether someone logged into my account, instead of determining whether the transfer was unauthorized due to misrepresentation of the payee, which is protected under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX ( XXXX C.F.R. XXXX ( m ) ). 

Regulation XXXX protects consumers from unauthorized electronic fund transfers, including transfers induced by fraud where the payer believed they were paying a legitimate entity. Multiple CFPB interpretations confirm that a consumer does not authorize a transfer to a fraudster misrepresenting themselves as the intended recipient. 

I provided clear evidence showing : the legitimate business account the fraudulent impersonating account confirmation from the business that they did not receive the payment the impersonating account remains on Venmo Venmo refuses to escalate this to their Regulation XXXX compliance department and keeps categorizing this as a peer-to-peer dispute. I am requesting CFPB intervention to require Venmo to comply with Regulation XXXX and investigate the unauthorized transfer to a fraudulent payee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
EASTERN ACCOUNT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research EASTERN ACCOUNT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation