vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
I am writing to request the Method of Verification ( MOV ) for certain information listed on my credit report. As a consumer, I have the right to request verification of any disputed item under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( XXXX ). XXXX * * * *. 



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Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NJ

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 2025-12-08 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:
I transferred {$300.00} on XX/XX/XXXX from my XXXX XXXX  account to my cash app account, I must had lost it and on XX/XX/year> I tried to use it that nite and had no funds so I called the number on the back of my daughters cash app card the office was closed, the next day I called the customer service and was told that they would send me a link and follow and fill out their form. Someone had did a {$200.00} sent in LA at a XXXX  store on XXXX XXXX, XXXX XXXX  XXXX {$40.00} and Ace of Smoke all in LA Ca. I told them the charges was still pending and was told it needed to clear first and I should hear from them up to 45 days. I looked in the cash file today XXXX XXXX. I didnt receive an email like they said I would nor any reason for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 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 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 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 2025-12-08 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-12-08 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays Bank Delaware has failed, despite numerous attempts for the past year, to resolve this matter. I'm a victim of identity theft, as stated by the IRS, and had a Barclays Bank Delaware credit card fraudulently opened up in my name without my knowledge. I've tried resolving this issue directly with the company multiple times, and they are refusing to take the account off my credit. I've provided them with exceptional proof to show I did not know the account existed or had access to it. I also provided the company with a police report to show the account was not opened by me, yet they still refuse to cooperate and remove the account off of my credit.

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 2025-12-08 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: NCB Management Services Inc.
State: SC

Complaint narrative:
NCB XXXX XXXX Reinserted a Deleted Account After Certifying to the CFPB That It Would No Longer Report the Account I previously filed a CFPB complaint against NCB Management Services regarding the reporting of Account XXXX XXXX XXXXXXXX ( Rise Credit / Debt Buyer Account ). 
In their official CFPB response, NCB confirmed in writing that they would no longer report this account to any credit reporting agency. 
However, NCB has now reinserted this account on my XXXX credit report, and XXXX shows the account updated as of XX/XX/year>, with ongoing derogatory G Collection status codes.

This violates multiple federal laws : 1. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Information Known to Be Inaccurate NCB knowingly re-reported an account they already admitted they would not report.

This is intentional misrepresentation.

2. FCRA 611 ( a ) ( 5 ) ( B ) Illegal Reinsertion Without Notice This account had been previously deleted from the XXXX XXXX XXXX XXXX XXXX reinserted it without providing the mandatory 5-day written notice. 
XXXX failed to follow reinsertion procedures, and the furnisher failed to supply the required certified documentation. 
3. Violation of the Prior CFPB Agreement NCB certified to the CFPB that this debt would no longer be reported anywhere, yet they have resumed reporting.

This demonstrates : Bad-faith conduct Failure to comply with a CFPB-mandated resolution Continued unlawful furnishing activity 4. FDCPA Violations ( 807 & 809 ) Re-reporting a debt after agreeing to cease collection is an unfair collection practice and misleading representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Citizens Savings & Loan Corporation, Chattanooga, TN Branch
State: TN

Complaint narrative:
Issue : Inaccurate and incomplete credit reporting, continued collection activity post-charge-off, failure to apply payments, and failure to update tradeline. 


Citizens Bank is reporting a charged-off account on my credit report with a balance of approximately {$620.00}. I continued making payments to Citizens in XXXX after the account was charged off, but the payments were not applied or reflected in the reported balance. Citizens did not inform me of the charge-off, and continued soliciting payments without disclosing that the account was charged off or how those payments would be applied.

The current credit reporting appears inaccurate and incomplete because the balance has not been updated to reflect payments made after charge-off, and the payment history is missing required Metro-2 fields .

I am requesting Citizens provide documentation supporting the accuracy of the reported balance and payment history, or update and correct the tradeline. If the information can not be substantiated with accurate documentation, I am requesting deletion of the tradeline pursuant to FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I requested Chase to close my account by mail, and Chase sent a letter to my home address in XXXX stating that they closed my checking and savings accounts on XX/XX/XXXX. However, I still haven't received the check for the remaining balance in my account. The letter they sent me didn't mention sending a check or transferring the funds to another account, which is concerning. I'd like to know how Chase sent my balance, or when they plan to send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
To Whom It May Concern : I am writing to request that you update my personal information in your records to the following : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Please send me a complete copy of my entire consumer file that you maintain under my name and Social Security number.

I also hereby opt out of any sharing, selling, or disclosure of my personal information with any third parties for any reason. If you share my information after this notice, I will pursue legal action for violations of my consumer rights and privacy.

I have attached a copy of my government-issued identification, Social Security card , and proof of residency to verify my identity and address. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
XXXX  account was fraud so company close it and it's reporting late. Never was altered on XXXX, XXXX XXXX and im not aware of XXXX  account and XXXX please investigate these as and not my account and remove those late payments first premier account was never investigate and sent proof of ownership nor was i ever late XXXX told me this is a company to help build credit was never r supposed to report late so I contacted and they told me it wasnt no late report so please investigate i have XXXX accounts please investigate and take proper measurements and delete as please reinvestigate XXXX XXXX XXXX have them send XXXX XXXX XXXX that i would have sign and im willing to do affidavit look back to hearing from you within XXXX I have XXXX inquired thats are attached to these accounts also need to be removed i only ran my credit in XXXX and XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been with XXXX XXXX since XXXX XXXX  and have never missed a payment until this mix-up happened. It is not because of hardship, it is because my auto pay did not cover my payment due. I usually would get a notification from my credit card company if there is an issue with my payment. I realized something was wrong when my credit reporting agency notified me of a new late payment on my credit history. My auto pay was set at {$120.00} because it covered my balance. My recent charge increased my credit card payment because the balance rose, but I received no notification that my auto pay balance was not enough to cover the fees for XXXX, XXXX, and XXXX. I did not log into my credit card account because it was on autopay, and I thought that if there were a problem, I would have been notified. XXXX I was supposed to pay {$150.00}, APR 25.24 %. The XXXX payment was {$280.00}. APR increased to 25.99 %, plus a {$39.00} late fee. The XXXX payment was {$430.00}, APR XXXX, plus a late fee {$39.00}. XXXX payment is {$580.00}, plus a {$39.00} late fee. I called XXXX XXXX and spoke to a manager to resolve this issue. I was told they can only waive one {$39.00} late fee, but I still have to pay the full balance due and file a dispute to fix my credit report. I also complained that I did not get a notification on my phone or email from XXXX XXXX, nor did anyone call me about 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 2025-12-08 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: NJ

Complaint narrative:
Cash app allowed unauthorized transactions to take place between Cash app and my then bank account with chase. As a result, my bank account went into the negative and chase closed my account leaving me with payments.i.made to be reversed. 
Cash app has done nothing to resolve this issue and only states that " it's under investigation " and they will have a result in 10 days. That was iver 3.5 weeks ago. They also stated that since the transactions went through my bank i should file a claim with them, which I did. The bank statement that Cash app allowed the transactions to take place therefore, they should be refunding me my money of {$4500.00}. 
My then Cash app account was : XXXX XXXX. 
I need help up against Cash app who has offered no solution to this issue. They gave me a case # XXXX. 
Thank you for your attention in this matter. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 is a follow-up complaint regarding Transunion '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. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, 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 Transunion to potential regulatory and civil liability.

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 2025-12-08 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: GA

Complaint narrative:
Can you take a look at this entry? It may have errors because its late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
I am writing to you as a consumer under my rights granted by the Fair Credit Reporting Act ( FCRA ). I am requesting the following : 1. A list of all individuals or entities who have accessed my credit report within the last 24 months under the permissible purpose outlined in Section 604 of the FCRA. Please include names, addresses, dates of access, and the stated reason for each inquiry.

2. A complete copy of my credit report, including all inquiries ( soft and hard ), promotional reviews, and insurance inquiries.

3. A review and deletion of any negative accounts or information on my report that are inaccurate, outdated, unverifiable, or incomplete.

I am formally disputing the following accounts currently being reported on my credit file. I am requesting that you conduct a thorough reinvestigation and delete these items if they can not be fully verified or are reporting inaccurate, outdated, or incomplete information : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America reported a late credit card payment. I have repeatedly tried to address this directly with Bank of America. In every exchange, they keep changing their justification for their reporting actions. Each time there is a new excuse/reason. I previously reported this to CFPB. In BoA 's long response, they failed to address each and every detail I reported, and they added yet another excuse - this one is a complete and total lie. 

At the XXXX of my complaint is that I have ever used this card before. They initially said that I chose NOT to receive statements, electronic or paper. After appx XXXX months, they said they rejected my claim because I have never had a history of late payments. I made it clear that I never used the card before so there was never any payment history. I also never received any emails, text messages or emails when this payment was approaching 30 days late. In their last response to the CFPB, BOA States that electronic notifications were enabled. This is a lie and contradicts about XXXX XXXX of communications I have had with BoA, including in person with a local bank 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 2025-12-08 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-12-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Good day, I am writing to formally dispute these unauthorized hard inquiries that has appeared on my credit report. Upon reviewing my credit report, I noticed these hard inquiries that I did not authorize, and I believe these are result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
Good day, I am writing to formally dispute these unauthorized hard inquiries that has appeared on my credit report. Upon reviewing my credit report, I noticed these hard inquiries that I did not authorize, and I believe these are result of fraudulent activity.

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 2025-12-08 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: NJ

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
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Someone had used my name without my knowledge to open a credit card I had notified the credit bureau, the company and I had sent them all the necessary paperwork

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I dispute this inquiry as it was created fraudulently.

Company response to consumer: Closed with explanation