vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/, our company, a registered U.S. business, opened a business checking account with Citibank ( Citibank , N.A . ). The account was funded and remained active for a brief time before we received a written notice from Citi stating the account had been closed by the bank. The notice further indicated that a refund check representing the remaining account balance would be issued and mailed to us. 

As of XXXX XXXX, no refund had been received. I contacted Citibanks business customer service on XX/XX/, to inquire about the missing check. I was told the issue would be reviewed and that I would receive further correspondence. 

On XX/XX/2025, I received a follow-up letter from Citi stating the check had already been issued and cashed. The letter included a copy of the check image, which confirmed the check had been made out to a completely unknown individual or entity. The name on the check is not affiliated with our company in any capacity, nor is it a name authorized to receive funds on our behalf. 

We never received this check, nor did we authorize any third party to receive funds from our closed account. The payee on the check is entirely unfamiliar, and we believe this may be a case of either : Fraudulent redirection or theft, or An internal processing error by Citibank.

We immediately contacted Citi again upon receiving the check image but were provided no resolution or refund. To date, our business has not received the funds from the closed account, and we have not been offered a replacement or an investigation outcome. 

We are requesting that Citi : Investigate the improper issuance or fraudulent cashing of the check, Confirm how this occurred, Recover or reissue the funds properly to our company. 

Approximate amount of check : [ insert amount ] Account closed : Around XX/XX/XXXX  Call to Citi customer service : XX/XX/XXXX  Letter with check image received : XX/XX/XXXX  We are seeking immediate action and resolution. Supporting documents, including the Citi letter and check image, are available upon request.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am filing this complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ), which mandates that credit reporting agencies conduct a reasonable investigation into disputed information. Equifax has failed to fulfill this legal obligation and continues to report inaccurate and harmful items on my credit report.

On XX/XX/year>, I submitted a comprehensive written dispute to Equifax, formally requesting an investigation into several inaccurate items listed on my credit file. My dispute included all required identity verification documents : Government-issued photo ID, Social Security card , and a recent utility bill confirming my current address. The letter outlined my request to investigate the following inaccurate and negative accounts : - Account Name : XXXX XXXX XXXX, Account Number : XXXX, - Account Name : XXXX XXXX XXXX Account Number : XXXX, - Account Name : XXXX XXXX XXXX, Account Number : XXXX, - Account Name : XXXX, Account Number : XXXX, - Account Name : XXXX, Account Number : XXXX, - Account Name : XXXX XXXX XXXX, Account Number : XXXX, - Account Name : XXXX XXXX XXXX, Account Number : XXXX, - XXXX  XXXX Bankruptcy ( Reference # XXXX ), - Inaccurate personal information listed on my credit profile, - Unauthorized inquiries, Despite submitting a well-documented and timely request, Equifax has not issued any response or resolution. More than 30 days have passedexceeding the timeframe required by law for a reasonable investigation and disclosure of results. This lack of response directly violates the FCRA and denies me my rights as a consumer. 
Equifaxs failure to investigate and correct these errors has caused significant harm to my credit reputation and restricted access to financial opportunities. Such negligence and disregard for federal compliance must be addressed. As supporting evidence, I have attached the following documents : a copy of my original dispute letter with Identity verification documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
An account I did not authorize, open, or apply for is being reported on my credit file as if it were mine. This is not only misleading but is the result of fraudulent activity or identity theft, and it is presenting false information to any party reviewing my credit. I have never held or been associated with this account in any capacity.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
XXXX is my former complaint. They emailed me saying if I have any questions, reference XXXX. When I tried to do so in app as they said to, they told me that I would need to wait for a manager to contact me via email for reasons about my denied claims. I never received a denial. Nor did I receive a provisional credit. I asked repeatedly about the denied claims, told them I didn't receive denial notice, they said they sent a response on XXXX at XXXX which does not fit the timeline of their response to my complaint listed above. In fact it directly contradicts it. Is it denied or not? I can not get answers. In their message to me it said they're still investigating ( this was XXXX ). When I tried to reference the complaint in app, they said it'd already been denied on XXXX & to wait for a response. They refused to tell me anything else. This financial loss is causing more financial losses and impacting my credit. I cant even get any guidance or information its like they're working against me. They won't even provide any updates!!! Its over XXXX. I need the provisional credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: UT

Complaint narrative:
These accounts are all reporting lates and it is tremendously hurting my credit score. I have not been late on any of these lates that they are reporting. I demand they show proof and send a list of payment history to validate this. Otherwise I demand they remove all of these from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
Weve already filed one complaint on here and all you did was send copies of the bills the statements nobodys disputing that the card is open and that the card was being used. It just was not being used behind me or my authorized user. These were fraudulent transaction. The entire balance is fraudulent. I dont know how many times I have to say this and I filled out your paperwork. I mailed it into you a long time ago and you still didnt do anything. You just sit there hoping that if you ignore me long enough Ill go away but guess what Ive stopped paying and Im not gon na pay anymore on a bill that I dont owe. I was paying to try to keep my account up to date but enough is enough. I didnt use this card nobody I know use this card. We didnt benefit from using this card anyway we didnt even have the card in our possession. You even sent us a brand new card so youre aware of the fact that these were fraudulent transactions But you still have not invested. I should have a zero pallet is wrong with this bank. What is wrong with the customer service? Why is nobody doing anything I am not gon na pay and Im not gon na stop complaining until. I want supervisor to take over. All of the transactions are fraudulent all of them. I should have a XXXX balance I filled out your paperwork. Sending me copies of the bills is pointless. Youre not doing anything youre not protecting your consumer and now youre reporting my account as past due, but its not past due because I dont know any of this and youre charging me interest on something Im disputing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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 Address : XXXX XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I am an XXXX XXXX XXXX  member XXXX  in Louisiana and my spouse XXXX XXXX had a federal student loan through Nelnet. Louisiana is a Key Provision state with state specific Servicemember 's Civil Relief Act ( SCRA ) protections. Per Louisiana Statute 29:312, no interest should be collected above 6 % during my time on XXXX XXXX, which began in XXXXXXXX XXXX 

Here is a link to the Louisiana key provision statute XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 2025-08-06 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: LEXISNEXIS
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX [ XX/XX/year> ] LexisNexis XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Follow-Up Dispute Case # XXXX Dear LexisNexis Consumer Center, I am writing in reference to your XX/XX/year>XXXX  letter regarding my dispute of a bankruptcy record you are reporting under Case Number XXXX. You stated that the information was verified through the XXXXXXXX XXXX XXXX 
I have since contacted the XXXX XXXX XXXX directly, and they provided a written response confirming the following : XXXX XXXX XXXX does not contact consumer reporting and credit reporting agencies. It simply provides access to federal court records. Therefore, your statement that the record was verified through XXXX  is both inaccurate and misleading. XXXX  is not a furnisher of information, nor does it provide identity verification or confirm data for consumer reporting purposes. It merely hosts public court records. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to verify disputed information by conducting a reasonable investigation, which includes confirming the information directly with the original source such as the court or other furnishing party not simply accessing a public database. 
Since no documentation has been provided from the court or any original furnisher proving that this bankruptcy is factually accurate and belongs to me, this record remains unverified. Accordingly, I demand that this bankruptcy be deleted immediately from my LexisNexis file in compliance with Section 611 of the FCRA.

Please provide written confirmation of the deletion or a detailed explanation of why you are continuing to report the information despite its unverifiable nature. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
On the night of XX/XX/year>XXXX  I was contacted by what I believed to be authentic Chime bank text messages. The message indicated my bank checking account was under suspicion of fraud and the remaining balance needed to be moved into another account. The hackers knew my exact bank balance and all my transactions ; keep in mind, NO other person has access to this account except me. I attempted to verify the bank was indeed where the call originated from, as I verified that the phone number was indeed the same phone number on the back of my debit card. I believe someone from within the bank is working with another criminal hacked my bank account and transferred the amount of {$740.00} without my explicit authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A completely fraudulent account is being reported under my name and Social Security number. I have no idea who opened it or how my information was used, but I can confirm I did not authorize this account in any way. Its presence on my credit file is damaging and unjustified, and it is not based on any valid relationship or transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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