vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
This dispute concerns the inaccurate reporting of an auto loan account with XXXX XXXX XXXX, account number XXXX, associated with a XXXX XXXX XXXX. The tradeline reports a charged-off balance of {$16000.00}, and reflects derogatory remarks across multiple months, including XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX late payments. 

XXXX XXXX issued a written notice dated XX/XX/XXXX, claiming the account was charged off on XX/XX/XXXX. However, I am also in possession of a collections letter from XXXX XXXX XXXX, dated XX/XX/XXXX, claiming to be collecting this same debt on XXXX behalf, and showing the identical balance. This presents a material contradiction : either the debt is charged off and closed, or it is in active collection it can not be both under FCRA 605 and FDCPA 807. 

I previously disputed this account and XXXX responded to the CFPB denying issuance of a XXXX, stating the account is still in collections while evidence shows it was transferred months prior. This is misleading. I am formally requesting that this tradeline be deleted for being inaccurate, outdated, and misleading. 

Attachments include : XXXX CFPB response ( XXXX XXXX ) XXXX XXXX XXXX Notice ( XX/XX/XXXX ) CFPB Complaint ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
This dispute concerns the inaccurate reporting of an auto loan account with XXXX XXXX XXXX, account number XXXX, associated with a XXXX XXXX XXXX. The tradeline reports a charged-off balance of {$16000.00}, and reflects derogatory remarks across multiple months, including XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX late payments. 

XXXX XXXX issued a written notice dated XX/XX/XXXX, claiming the account was charged off on XX/XX/XXXX. However, I am also in possession of a collections letter from XXXX XXXX XXXX, dated XX/XX/XXXX, claiming to be collecting this same debt on XXXX behalf, and showing the identical balance. This presents a material contradiction : either the debt is charged off and closed, or it is in active collection it can not be both under FCRA 605 and FDCPA 807. 

I previously disputed this account and XXXX responded to the CFPB denying issuance of a XXXX, stating the account is still in collections while evidence shows it was transferred months prior. This is misleading. I am formally requesting that this tradeline be deleted for being inaccurate, outdated, and misleading. 

Attachments include : XXXX CFPB response ( XXXX XXXX ) XXXX XXXX XXXX Notice ( XX/XX/XXXX ) CFPB Complaint ID : 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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NC

Complaint narrative:
I tried to login into my cashapp i couldnt get in because i have a new phone number, so i tried to reset it with my email, no code would come through. After the code wouldnt come to my email i called cashapp support. While on the phone with the support line the lady told me that she could merge my old account with my new account, after giving her all the necessary identification she told me she was unable to do it & when i asked for a manager hung up in my face. So i called again, when i called again the next representative told me to verify my new account i do all the necessary steps she tells me she can do a 1 time transfer from my old account to my new account. After reviewing my accounts she says she is unable to give me my funds due to security reasons after i already verified all my information then when i asked for a manager she told me there wasn't one in office & that they would email me then hung up in my face

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have three stolen cards and I told them to dispute the balance they all threw said yes and to close the account and they still keep charging me fees it's XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX item was sent back and rejected various times came damaged XXXX XXXXXXXX same items I received were alllll sent back and XXXX disputed and closed I told them zeroed out the balance I was told ok ... I'm still being charged ... they still refuse to close these accounts or say there closed but still keep billing me for no reason or items I disputed they putting it back ony card with interest wen I was told ok we will zeroed it out for you and I made minimum .payments on top they still keep billing me.. they don't listen lie and don't zeroed anything out now it's all km collection and these items again were sent all back or refused or not my charges as I don't have the cards any of them and I still made minimum payments they still keep adding interest and refuse to close it .. XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX card and they were all sent back one order not received I sent them the emails and the postal claim witch there suppose to file and nothing has been done for years driving to store to return damaged cups they refused ... and they still billing me for it refused it in the store multiple times since purchase .. and XXXX XXXX all items I received were returned one order never came said delivered for some drills and I filled a claim online but I don't have my account number or card and again there suppose to do it and again all three I was told are taken care of XXXX  sent me a XXXX check I never received for returns and another for XXXX again I moved didn't get anything and they said they will credit my account call in a week and that's what they keep doing now it's all in collection and target keeps billing me XXXX XXXX was returned they still billing me 1k or more for stuff I don't have and all three were stolen and everything was returned

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 2025-05-21 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: MD

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: LEXISNEXIS
State: NC

Complaint narrative:
In XX/XX/year>, I placed an order with XXXX / LexisNexis Risk Solutions to obtain a certified birth certificate from New York State. The total amount charged was {$79.00}, which included : {$45.00} for the birth certificate, {$13.00} XXXX service fee, {$21.00} for XXXX XXXX XXXXAfter the order was confirmed, I was informed that the document would not arrive until XX/XX/year> over XXXX business days later. This delay was not disclosed during the purchase process. 

I contacted XXXX immediately to cancel the order and request a full refund. They refunded only {$34.00}, stating that the remaining {$45.00} was submitted to New York State and was non-refundable. However, I paid XXXX directly and never transacted with the state. 

A XXXX representative acknowledged in writing that the delay was excessive and more than just a delay, and that we would have advised you to contact the state directly before placing the order. Despite this admission, they refused to refund the remaining amount. 

XXXX XXXX : XXXX / LexisNexis Risk SolutionsXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Why Im filing this : The company failed to deliver the paid-for service and refused a full refund despite admitting the delay was unreasonable. I am filing so the FTC can track this deceptive pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
Subject : Demand for Wet Signature Validation and Removal of Unauthorized Inquiries/Accounts Under FCRA Dear CFPB, I am filing this formal complaint regarding multiple unauthorized hard inquiries and accounts appearing on my credit reports from Equifax, Experian, and TransUnion. Under federal law, specifically the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), creditors must obtain my written authorization with a wet signature before accessing my credit report or opening accounts. 

The following inquiries and accounts were made without my knowledge, consent, or proper wet signature authorization : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Removal : FCRA 1681b requires permissible purpose and consumer authorization Regulation B ( ECOA ) mandates written applications for credit TILA 1637 requires signed credit agreements FCRA 1681i requires investigation of disputed items Demanded Actions : Require each creditor to produce wet signature documentation proving authorization Immediately remove all unvalidated items from all three credit bureaus Provide written confirmation of deletions Investigate these potential FCRA violations Supporting Evidence : I never signed applications for these accounts/inquiries No permissible purpose exists for these credit pulls This may constitute identity theft Failure to provide wet signature validation within 30 days requires immediate deletion per FCRA. I demand prompt resolution of these violations. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
Subject : Demand for Wet Signature Validation and Removal of Unauthorized Inquiries/Accounts Under FCRA Dear CFPB, I am filing this formal complaint regarding multiple unauthorized hard inquiries and accounts appearing on my credit reports from Equifax, Experian, and TransUnion. Under federal law, specifically the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), creditors must obtain my written authorization with a wet signature before accessing my credit report or opening accounts. 

The following inquiries and accounts were made without my knowledge, consent, or proper wet signature authorization : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Removal : FCRA 1681b requires permissible purpose and consumer authorization Regulation B ( ECOA ) mandates written applications for credit TILA 1637 requires signed credit agreements FCRA 1681i requires investigation of disputed items Demanded Actions : Require each creditor to produce wet signature documentation proving authorization Immediately remove all unvalidated items from all three credit bureaus Provide written confirmation of deletions Investigate these potential FCRA violations Supporting Evidence : I never signed applications for these accounts/inquiries No permissible purpose exists for these credit pulls This may constitute identity theft Failure to provide wet signature validation within 30 days requires immediate deletion per FCRA. I demand prompt resolution of these violations. 

Sincerely,

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 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
XX/XX/year> served me out side of my house, very emotional experience in my own neighborhood. 
According to FCRA section 605b, law 15 USC, 6802b, it is illegal to report anything on my credit report without my permission Please remove this negative item and stop the harassment of the lawsuit Thanks

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 2025-05-21 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: KY

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 2025-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: Kiavi, Inc.
State: FL

Complaint narrative:
Kiavi, a lender operating nationwide, engaged in concerning practices related to a loan payoff. 

Around XX/XX/XXXX or XXXX, XXXX, a Kiavi representative provided verbal guidance suggesting a payoff timeline extending to XX/XX/year>. 

On XX/XX/year>, I informed Kiavi of my readiness to pay off the loan in cash and submitted proof of funds. Despite this, Kiavi claimed initiated a foreclosure referral on the same day and imposed fee. 

On XX/XX/year>, Kiavi approved a waiver of the default interest, further indicating the expectation of an imminent payoff. However, they failed to provide the necessary payoff statement and wire instructions. 

On XX/XX/year>, Kiavi finally delivered the payoff statement. This statement unexpectedly included a {$1600.00} " foreclosure fee '' that had never been previously disclosed or discussed during any communications. 
On XX/XX/year>- they retaliate and double this fee On XX/XX/year>- they further tripple it! 
Since then, Kiavi, through a representative and a Portfolio Manager, has now unfairly increased tirpples this fee to {$4400.00} on XX/XX/year> - with no response to concerns- showing that we are desperate and they are in commanding positon. All this time they continue to earn/charge 18 % interest on top!! 

Throughout this period, I have consistently attempted to pay off the loan. Kiavi 's actions include providing misleading verbal guidance, initiating foreclosure processes- with no communication we received - despite awareness of an impending payoff, failing to disclose a significant fee, and then substantially increasing that fee while I am actively trying to resolve the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: AL

Complaint narrative:
What is the issue? 
The incorrect information on your report is still inaccurate and incomplete. I have attached a full side-by-side comparison of each credit bureau to see the inconsistent reporting.

What happened? 
I am submitting this complaint regarding a dispute I originally filed on XX/XX/XXXX, concerning inaccurate information on my credit report. Despite submitting the proper documentation and following up with a second letter on XX/XX/XXXX, the matter has not been resolved. 

I disputed the following accounts that contain incorrect and incomplete information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX accounts still appear on my credit reports even though they were disputed well within the legal timeframe. I included documentation supporting the inaccuracies and a copy of my credit report with highlighted errors. XXXX of the specific errors is also described in my XX/XX/XXXX letter. To this day, no appropriate action has been taken to remove the accounts. 

I am requesting assistance from the CFPB to investigate this matter and ensure these accounts are properly reviewed and removed, as required by the Fair Credit Reporting Act ( FCRA ). 

What company is this complaint about? 
If applicable, list the credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

What resolution are you seeking? 
I am seeking the removal of the accounts listed above from my credit report and confirmation that the dispute has been properly reviewed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I purchased a refrigerator through XXXX and used synchrony bank pay later option back in XXXX, the fridge was returned in XXXX, XXXX refunded synchrony bank and a balance was left i did multiple disputes, spoke with XXXX and synchrony multiple times! I received a letter from synchrony stating my account has been corrected, but I am still receiving phone calls regarding the balance stating i still owe! We are almost in XXXX its been months of me going back and forth with XXXX and synchrony, this has caused me so much stress and anxiety.

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