vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-17 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:
There is a collection that goes up in amount weekly from a company called XXXX XXXX XXXX showing up on my credit reports. They are apparently based in XXXX, Washington. This debt appears to be related to a lease agreement. However, I have never entered into any lease or rental agreement with the original creditor in question. After reviewing the documentation associated with this claim, it is clear that this account belongs to another individual with a similarbut not identicalname to mine : my name is XXXX XXXX, the account belongs to XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you investigate this matter and provide written verification that this debt is, in fact, mine. If you are unable to provide clear evidence linking this account to meincluding a copy of the original lease or contract with my correct personal detailsI expect the account to be removed from all reporting and collection activity. I have attached a copy of my photo ID to assist with verifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I'm writing to express my extreme frustration and disappointment with the handling of my spouse 's and my account at a Chase Bank branch in XXXX XXXX. Despite residing in XXXX and having all our information associated with our XXXX  address, the XXXX XXXX branch failed to conduct proper verification procedures when someone attempted to open an account with the same name as my spouse. 

Without any notification or confirmation, our legitimate account was closed and frozen, leaving us without access to our funds. This has caused significant inconvenience, including : - Inability to pay bills on time - Late fees and penalties - Disruption to our financial stability Furthermore, since I have credit cards with XXXX, those accounts have also been frozen, exacerbating the issue. 

I'm currently working on transitioning to a new bank, but I expect XXXX to investigate this matter thoroughly. The lack of communication and due diligence by the XXXX XXXX branch has caused unnecessary stress and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: OH

Complaint narrative:
On XX/XX/year>, Citibank locked both my checking and savings accounts without any prior notice. I received an email the following day, XX/XX/year>, stating that my account was closed and I would receive my remaining funds via check. At the time of closure, I had $ XXXX in my savings account and {$87.00} in my checking account. Despite this promise, I was never issued any check or returned my funds. 

I attempted to retrieve my funds at a local Citibank branch, but they were unable to assist me. Since then, I have received ongoing account statements via email, which is confusing and misleading since Citibank claims the account is closed. If the account is closed, why am I still receiving statements? 

This is my only money including my tax return. I have XXXX children and have been financially harmed because I can not access my own funds. I have done nothing wrong, and I have not been provided with any explanation for why my account was closed or why my funds are being withheld.

1. Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq.

Under Regulation E, Citibank is required to provide clear notice and access to consumer funds. Withholding funds without lawful justification may violate these protections.

2. Truth in Savings Act, 12 U.S.C. 4301 et seq.

Ongoing statements without account access may constitute deceptive and
misleading communication about the status of a closed account.

3. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), 12 U.S.C. 5531 Citibanks conduct may be considered unfair and abusive by failing to disclose the reason for closure, refusing to release funds, and continuing to send account statements for a supposedly closed account.

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 2025-06-17 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
Hi, I am writing to respectfully inquire about a potential refund related to my student loan account. My original loan amount was {$13000.00} with no interest. I was granted XXXX XXXX XXXX in the amount of {$17000.00}, and my loans were officially forgiven on XX/XX/XXXX. Prior to the forgiveness, I had made payments totaling {$600.00}. I submitted a request for a refund of this overpayment a while ago, specifically on XX/XX/XXXX, before the loan forgiveness occurred. I have contacted your office several times regarding this refund, and I understand that processing can take time and that my case has been escalated to a supervisor. However, I have not yet received the refund. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-17 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several inaccuracies on my credit reports and to demand immediate corrective action in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The accounts listed below contain serious reporting errors and violations of federal law. 


XXXX XXXX XXXX Reported Status : Paid in settlement. {$3600.00} written off. 

Violations Identified : This status is misleading. Settled accounts should not imply there is still an outstanding balance, per CFPB XXXX XXXX. 

This tradeline fails to show that the account was settled and now carries {$0.00} liability. 



My Demand : Update this account to reflect a {$0.00} balance immediately or remove it entirely. 


XXXX XXXX XXXX Reported Status : Closed. {$830.00} balance. 

Violations Identified : If this account is closed and no balance is owed, the report must reflect a {$0.00} balance. 

If the account is over 7.5 years old, reporting it violates FCRA 605 ( c ) due to potential re-aging.

My Demand : Either correct the status to show a {$0.00} balance or delete the account entirely. 


XXXX XXXX XXXX XXXX  The charge-off amount exceeds the past-due balance. This points to inaccurate or faulty record-keeping.

I have not received any debt validation, including chain of title or full payment history, as required under FDCPA 809 ( b ).

My Demand : Due to lack of substantiation, I am demanding complete deletion of this account.

-- - 3. Regulatory Obligations Under FCRA 611 ( a ) ( 1 ) ( A ), the credit bureaus are legally required to conduct a reasonable investigation within 30 days.

Additionally, CFPB Regulation V ( 12 CFR 1022.43 ) requires furnishers to correct or delete any account that is found to be inaccurate.

Failure to meet these obligations is a direct violation of federal law and constitutes willful noncompliance under FCRA 616, which allows for statutory damages of up to {$1000.00} per violation, plus punitive damages.

-- - 4. My Demands I am requesting the following actions be completed within 30 days from receipt of this letter : 1. Full deletion of all disputed accounts from Experian, Equifax, and TransUnion. 


2. Written confirmation from each furnisher ( XXXX, XXXX, etc. ) verifying the accounts have been corrected or removed. 


3. Proof of compliance with FCRA investigation requirements from all credit bureaus.

5. Notice of Intent to Litigate If these errors are not resolved within the 30-day window, I will take legal action. That includes : Filing suit under FCRA 616 for willful noncompliance Seeking statutory damages of {$1000.00} per violation, as well as punitive damages Reporting all UDAAP violations to the CFPB and my State Attorney Generals Office Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
To Whom it may Concern : I am writing this disputes from my complaint as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal 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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: FL

Complaint narrative:
I am writing to follow up on the formal complaint I submitted in XXXX regarding Cash App. It is now XXXX, and I have received no response or resolution from Cash App regarding my situation, despite submitting a police report and clear documentation showing that I was a victim of identity theft. 

To reiterate : My phone and identity were stolen. 

My Cash App account and linked banking details were accessed without my consent. 

I submitted a full police report and dispute to Cash App. 

Despite this, my account was permanently closed, and I was accused of violating their terms, with no explanation or evidence provided. 

I even requested my data be deleted so I could start freshyet now, Cash App is blocking me from creating a new account, unfairly flagging my personal information as if Im the one who committed fraud. 

This is a clear violation of my consumer rights, and Im being punished for a crime committed against me. I demand that my ability to create a new Cash App account be reinstated immediately. There has been more than enough time for Cash App to act, and their silence is unacceptable. 

Please escalate this complaint as I am being wrongfully blacklisted and denied access to a financial service that I have the legal right to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Financial Inc. reported a XXXX XXXX delinquency. I disputed it and requested call and chat transcripts from XXXX to verify accuracy. XXXX did not provide them, but the mark was removed from XXXX  on XXXX. I have not yet received updates from XXXX  and XXXX. On XXXX, I received a digital final bill dated XXXX and paid it in full on XXXX, only 20 days later. Despite this, XXXX reported a XXXX delinquency. I disputed the mark multiple times, submitted proof of notice and payment, and requested a reinvestigation. XXXX violated FCRA 623 ( a ) ( 1 ) ( A ) by continuing to furnish inaccurate or incomplete data after receiving evidence of timely payment following notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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