vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: LA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: NM

Complaint narrative:
XXXX XXXX XXXX XXXX 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 Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request to Permanently Remove Inaccurate Name Variants- My Legal Name : XXXX XXXX XXXX To the Experian Dispute Department, I am contacting you again regarding persistent and unauthorized name variations listed on my Experian credit file. My full legal name is XXXX XXXX XXXX. I have never legally used, authorized, or acknowledged any other version including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX O These entries are not nicknames, former names, or legitimate aliases. They are inaccurate, unverifiable, and misleading, and their continued presence is causing unnecessary complications and potential identity confusion.

Page 1 Violation of Federal Obligations As you are aware, Experian is required under federal law to maintain only accurate and verifiable personal data : * 15 U.S.C. 1681e ( b ) - You are obligated to follow reasonable procedures to ensure maximum possible accuracy.

* 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) - Once disputed, unverifiable information may not be reinserted without certification.

* 15 U.S.C. 6802 - Governs misuse or improper dissemination of nonpublic personal information.

Despite multiple disputes including previous submissions via the Consumer Financial Protection Bureau, Experian has reinserted or failed to remove these false name entries. This appears to constitute a pattern of noncompliance that could expose your organization to liability under 1681n and 1681o, regarding willful and negligent violations.

My Request is Legally Justified and Reasonable I am requesting that you : 1. Permanently delete all incorrect name variations that differ in any way from XXXX XXXX XXXX. 
2. Provide written confirmation within 15 calendar days showing the correction has been made. 
3. XXXX, in writing, that no reinsertion will occur unless fully validated under 1681i ( a ) ( 5 ) ( B ).

If Experian fails to take corrective action within the timeframe, I will pursue formal complaints with the New Mexico Attorney General, Federal Trade Commission, and explore legal action to protect my rights under the FCRA.

Page 2 This issue is not speculative or cosmeticit directly affects my credit profile, future financial access, and the legal integrity of your reporting system. 
Sincerely, 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 2025-07-04 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX 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 reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX 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! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX  and Ally Financial due to serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and possible violations of the Fair Debt Collection Practices Act ( FDCPA ) involving a joint auto loan account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ). 

This account has been charged off/written off, as reflected by other credit reporting agencies. However, XXXX  continues to report : A current balance of {$13000.00}, A high balance of {$27000.00} between XX/XX/XXXXXXXX  and XX/XX/XXXX, A payment term of {$0.00} per month for 75 months, which is factually inaccurate for an auto loan, {$0.00} in payments received, even though it shows a last payment was made on XX/XX/XXXX. 

This reporting is not only misleading, it is factually and legally inaccurate under the FCRA. 

Furthermore, I am now being contacted by a third-party collection agency attempting to collect on this same account even though it has been charged off and written off, and the original creditor has not updated the balance to {$0.00} as required when a debt is sold or assigned. 

According to federal law : FCRA 607 ( b ) : Information on a credit report must be accurate and complete.

FCRA 611 : Credit reporting agencies must properly investigate disputes within 30 days or delete the item.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers of data must not report inaccurate or misleading information.

FDCPA 807 & 809 : It is illegal to make misleading representations about a debt or to attempt collection on a charged-off debt without proper notice and validation. 

I previously disputed this account with XXXX, and they failed to correct or delete the inaccurate data within the required time. The account remains misleading, with contradictory balances, missing payment history, and improper handling of the charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: NJ

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year>, I filed a motion requesting an immediate injunction against Capital One Bank, XXXX. to halt all online credit card application intake. This filing was based on credible allegations that Capital Ones XXXX application review systems exhibit algorithmic bias and XXXX  behaviors. Despite multiple regulatory complaints, legal filings, and mounting evidence, Capital One has continued accepting online applications without transparency or remedial measures. This poses a direct and ongoing XXXX  to new applicants who XXXX be subjected to the same XXXX  screening processes currently under legal scrutiny. This motion was formally served on their registered agent in XXXX, Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
Bank-related billing and reporting errors are negatively affecting my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are obligated to accurately apply payments and reflect correct account information. However, my payments were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not given the required 21-day advance notice before a payment was due, rendering any late payment notations invalid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I initiated a request for a {$50.00} payment from another Cash App user. Immediately upon the sender attempting to fulfill this request, Cash App blocked the transaction, citing protection measures, causing the payment to fail. It is important to note that no other payments I sent to this recipient were blocked or failed. The sender confirmed that the funds were never debited from their account. When I contacted Cash App Support, I was advised to attempt the payment request again. However, I was unable to do so because Cash App had blocked further requests or payments to this recipient from my account. Paradoxically, shortly afterward, I successfully received a separate {$20.00} payment from the same sender without issue. This inconsistency raises serious concerns about Cash Apps transaction monitoring and blocking practices. I have formally requested a thorough investigation and a detailed trace of the blocked {$50.00} payment, but to date, this issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of Birth : XXXXXXXX XXXX XXXXXX/XX/year>, ChexSystems XXXX ID XXXX ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ChexSystems Consumer Reporting Agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a checking account opened at XXXX XXXX XXXX XXXX with an account number ending in ( XXXX ) and ( XXXX ), an original charge off amount of $ ( XXXX ) and ( {$2.00} ), and a closure status of unpaid. I've attached a copy of the consumer report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned checking account as reported. The aforementioned checking account appearing on my consumer report maintained by you was not opened, made, or initiated by me. The aforementioned checking account is the result of identity theft and fraud. I have attached a copy of a photo ID card, social security card, and a utility bill as proof of my identity. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) and ( name of police department ) Police Report # ( PD case number ) as proof from the US Federal Trade Commission and ( XXXX XXXX police department ) that the aforementioned checking account is the result of identity theft and fraud. ''

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 2025-07-04 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My card was used in XXXX, NJ, on XX/XX/XXXX for four fraudulent purchases totaling {$750.00} while I was at work on the other side of the state in XXXX, NJ. 
The fourth charge ( {$110.00} ) triggered a fraud warning, and I received a text message warning. I IMMEDIATELY called in to report the fraud and discovered the first 3 charges that actually went through before the fraud alert was triggered.

A " fraud investigation '' was initiated, which consisted of a single phone call to me by a rep from XXXX, who asked me 3 questions ( 1. Did I still have the card. 2. did I lend anybody the card. 3. did I deal with the vendors in question or receive any goods or services from them ). After that phone call, the charges were marked as non-fraud and billed to me. I was not notified of this " resolution '', and only when I received a bill ( my card balance was XXXX at the time, as I hadn't even used the card for several months before the fraud took place ). I called back and re-disputed the charges and sent in a copy of my timecard from work showing that I was on the other side of the state and unable to make any charges. Two weeks later, I discovered the dispute was again closed as non-fraud, and again, I was not notified of this " resolution ''. I had to call in for an update to find out. I am now in the process of trying to obtain security video footage from my job to prove I was on the other side of the state, because I don't know what else I can do to prove to these people that I did not make these charges.

My credit score is currently XXXX. I refuse to let this terrible company ruin my credit because they refuse to credit my account for these fraudulent charges that the credit card agreement I signed states I have {$0.00} liability for. 
I will file every complaint, make every police report, and call their fraud department until I die if that's what it takes. I will upload my timecard here as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 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:
This complaint is legitimate and should not be taken lightly. My credit report contains false and inaccurate information that fails to meet the standard of maximum possible accuracy. These errors are causing me unnecessary stress and are negatively impacting both my credit standing and personal well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: OneMain Finance Corporation
State: NY

Complaint narrative:
I am filing this complaint against OneMain Financial for their continued and negligent furnishing of inaccurate information to XXXX, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ). Despite repeated disputes and multiple rounds of communication since XX/XX/XXXX, these inaccuracies remain on my consumer report and are causing continued harm to my credit profile. 
I sent a formal dispute letter to OneMain Financial, which was delivered this past weekend, outlining the following XXXX major inaccuracies XXXXInconsistent Charge-Off Timeline OneMain reports that the last payment made on the account was in XX/XX/XXXX, yet it shows the account as charged off in XX/XX/XXXX just XXXX months later. This defies standard charge-off procedures and timeline guidelines. This inconsistency undermines the accuracy and integrity required by the FCRA.

2.Incorrect Account Closure Date The most recent consumer report from XXXX reflects that the account was closed in XX/XX/XXXX, which is entirely inaccurate. The account has been in charge-off status since XXXX. It is not only impossible for a charged off account to be listed as closed in XXXX, but this contradiction introduces new inaccuracies, worsening the damage already done. 
XXXX.Continued Reporting of ChargeOff Status Beyond the Initial Date This account continues to be reported as a charge-off with updates well beyond the original charge-off date in XXXX. This practice re-ages the account, which can mislead creditors and restarts the statute of limitations unfairly. This is a deceptive and abusive practice that is strictly prohibited under the FCRA.I have disputed these inaccuracies with XXXX  repeatedly, beginning in XX/XX/XXXX, and they claim they have contacted OneMain each time. Despite this, OneMain has failed to investigate properly, provide accurate updates, or correct or remove the false information. Instead, they have introduced new errors, such as the false closure date in XXXX. This pattern demonstrates willful neglect or reckless disregard for their duties as a furnisher under federal law.This has gone on for too long. I have acted in good faith by following the dispute process through XXXX  and now directly with the furnisher. It is clear that OneMain is either not conducting reasonable investigations or is intentionally re-aging and distorting information on my credit report. 
I respectfully ask the CFPB to investigate this matter and hold OneMain accountable for their failure to meet their obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter.

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process.

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report.

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: Sparrow Financial, Inc.
State: TN

Complaint narrative:
I noticed a credit inquiry from some place called XXXX on XX/XX/year>. I have no idea where this came from. I have never heard of this place

Company response to consumer: Closed with explanation