vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: MD

Complaint narrative:
Complaint # XXXX with CFPB was filed XX/XX/year>. It has been over XXXX  days with no response from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TN

Complaint narrative:
I am submitting this complaint against Equifax due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my credit report despite my good-faith attempts to resolve the matter. Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681, which mandates consumer reporting agencies to maintain maximum possible accuracy of the information they report and to conduct proper investigations upon disputes. 
XXXX Account Number : XXXX * * High Balance : {$520.00} Date Opened : XXXXXX/XX/year> Status : Late Payment Issue : This account is inaccurately reporting a late payment that I strongly dispute. I have previously requested that Equifax investigate and validate this derogatory reporting. However, Equifax failed to provide any written verification or documentation from the original creditor substantiating this negative payment history. Reporting derogatory marks without validation and continuing to report after being informed of a dispute is a direct violation of FCRA Section 623 and 611.

Violations and Applicable Law : FCRA Section 611 ( 1681i ) Equifax failed to conduct a reasonable reinvestigation into the disputed account.

FCRA Section 607 ( b ) ( 1681e ( b ) ) Equifax has not maintained maximum possible accuracy in reporting this account.

FCRA Section 623 ( b ) The furnisher of the information has not provided verifiable proof that justifies continued reporting. 
FCRA Section 605 ( a ) ( 5 ) Any obsolete or unverifiable derogatory information must be removed from a consumer report.

Consumer Statement : This inaccurate late payment reporting is causing me significant harm financially and emotionally. My creditworthiness is being unfairly damaged, which is directly affecting my ability to secure fair housing, employment opportunities, and essential credit services. I have exercised my right to dispute under federal law, but Equifax has neglected to take appropriate corrective action. 
I am formally requesting that the CFPB investigate Equifaxs failure to comply with the FCRA and take enforcement action as necessary. Furthermore, I request the immediate removal of the above-mentioned account or the inaccurate late payment notation unless verified with full legal documentation.

I have exhausted my efforts with the credit bureau, and I now turn to the CFPB for relief, protection, and intervention.

Relief Sought : Immediate deletion or correction of the inaccurate late payment reporting Full investigation into Equifaxs handling of my dispute Documentation validating the reporting Compensation or resolution for any damages caused by this negligent reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX ( Myself ) current address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX According to the FCRA, any previous addresses reported ( EQUIFAX, EXPERIAN, AND TRANSUNION ) that are not the address given in this message should be permanently removed from XXXX XXXX XXXX XXXX 's credit report. There has been proof uploaded regarding said address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX ( Myself ) current address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX According to the FCRA, any previous addresses reported ( EQUIFAX, EXPERIAN, AND TRANSUNION ) that are not the address given in this message should be permanently removed from XXXX XXXX XXXX XXXX 's credit report. There has been proof uploaded regarding said address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Approximately XXXX months ago ( first week of XXXX ) I informed the credit card company ( concora credit ) that I have no knowledge of this account. There are XXXX credit cards opened up fraudulently. They continue to harass me and call me XXXX  times per day every single day of the week at all hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I am submitting a complaint regarding a Capital One account that is reporting on my credit file, which does not belong to me. I have never opened or authorized this account, and I believe it may be the result of identity theft or a reporting error. 

I have already disputed this account with the credit bureaus, but the issue has not been resolved. The account is negatively affecting my credit score and I am requesting assistance in having it removed from my credit report. 

Please let me know what additional information or documentation you need from me to help move this dispute forward. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
I noticed a collection account from XXXX XXXX XXXX XXXX XXXX XXXX reporting on my credit file with all three bureaus. The account shows a balance of {$300.00} and states it was opened in XX/XX/XXXX and reported as recently as XXXX and XX/XX/XXXX. 

I want to clarify that I have never had an account with XXXX XXXX XXXX, nor have I received any bills or collection notices from XXXX XXXX regarding this alleged debt. I believe this account may have been reported in error or could be a case of mistaken identity. 

Since I am not responsible for this debt, I am requesting that the credit bureaus investigate and remove this item from my credit report if it can not be verified as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In XXXX of XXXX I had and ongoing claim with Bank of America and funds related to unemployment and Covid 19 the never sent me a card and then froze account for months I continued to reach out and they would give me same story account was froze that was all I would get and basically there was nothing they could do well I ended up giving up they ended up releasing funds again I never got the card so I didnt even know well I found out sometime later someone took the card and spend a significant amount of the money clear across the country like XXXX XXXX live in Michigan XXXX contacted them opened a claim they continued to deny over and over there reason being in card was mailed to address on file and someone used my credentials to activate it so I sent them proof showing indeed it was my house I had purchased but wasnt yet moved in I had workers including my church the pastor and all working on the home it was not in move in condition yet so I had the pastor write a letter stating so to help my claim and filed with cpfb I also clean houses for a living and had the homeowner of one of the houses Ive done for years write a letter showing I clean there twice a week and couldnt had been clear across the country and the hurried and denied again before the cpfb even got a response from them they are wrongfully denying claim without researching how could I be in two places at once my first one I file I explain the auto deny over and over I had to pay taxes on this money and never got they continue to send me small interest payments for freezing account but I treat on money I never received I sent proof of everything and they denied me in 4 days I faxed I for over on XX/XX/XXXX contacted cpfb they sent complaint on XX/XX/XXXX but denial letter is stated XX/XX/XXXX now whats really going on Bank of America just dont wan na give me my money because its about XXXX $ and they are a scam I want my money please help and in the information I sent them I informed them that I was a victim of identity theft and was involved in a lawsuit for that as well because there was a data breach and I ended up wining in the class action suit so i definitely had my personal info leaked many occasions I had them reopen claim again today after auto denial again and Im trying to update on here so u guys know what they did again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: MD

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau regarding the actions of XXXX XXXX XXXX, a third-party data aggregator that provides public record information to credit reporting agencies including XXXX XXXX XXXX XXXX 
I have discovered that XXXX XXXX be furnishing bankruptcy data to the credit bureaus, even though the U.S. District Court for the District of Maryland XXXX XXXX XXXX ) has explicitly confirmed that it does not report bankruptcy filings directly to any credit reporting agency. 
This practice raises serious concerns under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires all furnishers of consumer information to follow reasonable procedures to assure maximum possible accuracy. 
XXXX is not exempt from these obligations and should be held to the same standard as the credit bureaus regarding permissible purpose, consumer dispute rights, and data accuracy. 
Furthermore, consumers are often unaware that XXXX plays a role in providing this data. The lack of transparency combined with the damaging consequences of inaccurate reporting can result in the denial of credit, loss of employment opportunities, and damage to security clearancean issue I am currently facing. 
Additional Legal Context : In XXXX, XXXX was fined by the New York Attorney General for improperly handling tenant screening reports under the FCRA. 
Numerous complaints have been filed with the FTC and CFPB citing XXXX for failing to reinvestigate disputes and for inaccurate public record reporting. 
Their relationship with government and court data feeds should not exempt them from FCRA obligations regarding verification, accuracy, and consumer notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive l, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Oliphant United, Inc.
State: LA

Complaint narrative:
i have no idea where this debt is coming from. I do not owe this debt. I asked them to provide me with a copy of the charges i made however they can provide no proof i owe this debt. OLIPHANT USA LLC XXXX XXXX XXXX XXXX XXXX  {$2100.00} - - -No Data Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$2100.00} Original Creditor XXXX Past Due {$2100.00} Pay Status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I was checking my credit report today and realized there was a hard inquiry from Best Buy on XX/XX/year>. I always use Progressive Leasing when I go to Best Buy because I had an account with them before and defaulted. So I always say I want to use Progressive Leasing. They then try to say, do you want to at least try? If you get denied, you can always do Progressive Leasing. I tell them No because I know it would be denied. I believe the clerk did it anyways and tried to apologize. I want that hard inquiry removed because I did not authorize it.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Im filling a complaint because my crediter reporting late payment on my account end XXXX that are inaccurate and not properly verified i have dispute this directly with the credit bureaus and the furniture but the late payment remain without proper validation or documentation under 15 USC 1681 S 2 a furnitures must report accurate information under 15 USC 1681 I the credit bureau must perform a reasonable investingation within 30 days neither them have peovided sufficient evidence to support the negative reporting it is very important that you dispute with a proper XXXX dispute latter i made this. With all three bureau. This is all with citi card. Thank you

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 2025-07-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX Experian, and XXXX  data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have reached out to Capital One and the company said they no longer own the account. I called the company that it directed me to XX/XX/year> XXXX I have never received any information about this account for them. However, Capital One is reporting to my credit but the company XXXX XXXX XXXX XXXX is the one whom Capital One sold my information too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
At medical bill was placed on my credit by XXXX XXXX Last reported XX/XX/year> {$630.00} Open balance XXXX XXXX XXXX  Original creditor

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ). See attachment for specific accounts. Under federal law, you are required to block fraudulent information from my file within 4 business days of receiving a valid identity theft report. You have failed to do so, which constitutes a willful violation of federal law. Furthermore, I have issued a written revocation of authorization to each furnisher. Continued reporting of these accounts without a permissible purpose is now considered unauthorized data furnishing under FCRA 604.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ). See attachment for specific accounts. Under federal law, you are required to block fraudulent information from my file within 4 business days of receiving a valid identity theft report. You have failed to do so, which constitutes a willful violation of federal law. Furthermore, I have issued a written revocation of authorization to each furnisher. Continued reporting of these accounts without a permissible purpose is now considered unauthorized data furnishing under FCRA 604.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
My previous balance is XXXX i own. The XXXXSynchrony Bank on XX/XX/2025 statement interest charge me for {$1200.00}. Not remind me first and i got missing statement for XXXX and XXXX. Now my new balance go up to {$2100.00}. That make me not payoff my all my balance before promotional expiration date. And they won't vote this interest charged to me. I am not expect for this charge

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 monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
Lexis Nexis is reporting that the address on a proposed Bankruptcy is my current address. I have lived in Maryland since XXXX. They stated the alleged Bankruptcy was filed in XXXX and XXXX in XXXX. This infoemation as far as the address is incorrect. Also, XXXX does not include the social security number in their reports. According to their response, they verified the last 4 digits of my social security number. The full social security number is not provided and can not be verified as belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief