vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding BLOOMINGDALES/CITIBANKs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. BLOOMINGDALES/CITIBANK has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported.

BLOOMINGDALES/CITIBANK 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 2025-09-19 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:
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 2025-09-19 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: TX

Complaint narrative:
I am submitting this complaint because Equifax has failed to correct inaccurate personal identifying information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I sent a written request to Equifax Information Services LLC, along with supporting documentation ( copy of my government-issued ID and proof of address ), to correct my name from XXXX XXXX XXXX XXXX full legal name XXXX XXXX XXXX XXXX My credit report currently reflects the incomplete name " XXXX XXXX, '' which is inaccurate and incomplete. 

Under FCRA XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ), Equifax is required to follow reasonable procedures to assure maximum possible accuracy of consumer information. FCRA XXXX ( a ) ( XXXX ) gives me the right to know what identifying information is being reported. FCRA XXXX ( a ) requires Equifax to investigate and correct incomplete or inaccurate information within XXXX days of receiving my dispute. 

Despite providing all required documentation, I have not received written confirmation that my name has been corrected, nor any explanation as to why the update has not been made. This failure has left my credit file inaccurate, which could cause confusion and negatively impact my ability to be properly identified by creditors or financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
As i stated above I have been a loyal customer for a few years of cash app. I used the app to send and receive money from my mother mostly but a few other family and friends, pay for my XXXX play and doordash subscriptions, and to transfer money between my external accounts. I transferred money often because it was much faster and convient than requesting direct transfer from my external accounts and waiting the several business days for the transfer to process. Over a year ago my card was stolen and I am unsure if whomever took it attempted anything with the card but when I tried to replace my card it had been XXXX as well as blocking the feature to add cash from in store option. When inquring about the issue I was never able to get an answer so i just made do with the options I still have available. Then several months ago I received notification my account had been closed but i could file an appeal to regain access if it was approved. So i did that the same day. Over 30 days passes and still nothing so i reached out to support for a response only to be told to continue to wait for the determination. I continued to wait and tried inquiring several times but still no response. So again today at least 3 months later i inquired again only to be told i had to file another appeal and wait another 30 days. When asking why no response was given or explanation as to why my acct was closed why my appeal was ignored an why i had to appeal again but again no explanation provided. I depended on cash app for a long time and because i work XXXX jobs and in college and it truly made some things so much simpler.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: LA

Complaint narrative:
I have made more than one attempt to correct the issue, and all three credit bureaus have refused to properly correct the issue. they have even refused to properly investigate the issue. I recently applied for a mortgage loan and found inquires that I have not given consent to. when contacting company 's listed on the report, they seem to be auto financing company 's I have not given consent, nor have I applied for any auto financing in the pass 3 years please have these bureaus remove the inaccurate information from my credit reports XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I contacted Mr. Cooper starting in XX/XX/year> to have my XXXX removed. I was informed that I could not have it removed, because I have an high interest loan and they wanted me to refinance. I explained to them that my loan was transferred from XXXX and I am now eligible to have my XXXX removed. I also explained that my current interest rate is lower then any market interest rate. My current interest rate is 5.6 %. I explained to Mr. Cooper that my loan has not changed when it was transferred and they were to follow the same guidelines from Mr. Cooper. Mr. Cooper could not even explain to me what a high interest loan meant. Loans do not stay high interest rate forever and I tried to explain that to them. 
Over the next 10 months, I have been going back in forth with Mr. Cooper by emails and phone calls to remove my Escrow. I contacted XXXX and they even said, my loan is eligible to have Escrow removed and that they sent Mr. Cooper the information, but Mr. Cooper called me and said they are not removing it and I had to refinance. Mr. Cooper sent me a copy of a letter on XXXX that even stated, I was eligible to have Escrow removed as of XXXX, but Mr. Cooper still will not remove it. 
I want the XXXX removed and refunded for the damages they caused. Mr. Cooper refuse to remove my Escrow, trying to force me to refinance for a loan with a higher interest rate then what I currently have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding CHRYSLER CAPITALs  failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. CHRYSLER CAPITAL XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

CHRYSLER CAPITAL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: UT

Complaint narrative:
I am submitting this fourth follow-up regarding multiple items on my credit report that remain inaccurate, incomplete, or unauthorized despite my prior disputes. My report lists several charged-off accounts, including XXXX XXXX, account number ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with balances of {$7700.00}, {$1200.00}, and {$11000.00}, and XXXX XXXXXXXX accounts ending in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with balances of {$1800.00} and {$2400.00} XXXX XXXX, respectively. These accounts have been reported without proper verification, and some have been charged off without issuance of a 1099-C, despite balances exceeding {$600.00}. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy, and these accounts clearly fail to meet that standard. 
In addition, my report includes inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. neither of which I authorized. These unauthorized inquiries violate FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which prohibits accessing a consumer report without a permissible purpose. They also violate FCRA 619 15 U.S.C. 1681q and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which strictly regulate when and how a consumers credit report may be accessed. Furthermore, under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute any information I believe to be inaccurate or unauthorized, and the bureaus are required to conduct a reasonable reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: UT

Complaint narrative:
I am submitting this fourth follow-up regarding multiple items on my credit report that remain inaccurate, incomplete, or unauthorized despite my prior disputes. My report lists several charged-off accounts, including XXXX XXXX, account number ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with balances of {$7700.00}, {$1200.00}, and {$11000.00}, and XXXX XXXXXXXX accounts ending in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with balances of {$1800.00} and {$2400.00} XXXX XXXX, respectively. These accounts have been reported without proper verification, and some have been charged off without issuance of a 1099-C, despite balances exceeding {$600.00}. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy, and these accounts clearly fail to meet that standard. 
In addition, my report includes inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. neither of which I authorized. These unauthorized inquiries violate FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which prohibits accessing a consumer report without a permissible purpose. They also violate FCRA 619 15 U.S.C. 1681q and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which strictly regulate when and how a consumers credit report may be accessed. Furthermore, under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute any information I believe to be inaccurate or unauthorized, and the bureaus are required to conduct a reasonable reinvestigation.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the XXXX XXXX XXXX XXXX online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX Late Date Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Late Date Reported XX/XX/XXXXXXXX XXXX XXXX XXXX  Late Date Reported XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Late Date Reported XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX, XX/XX/XXXX, XXXX XXXX .These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA XXXX, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA XXXX XXXX ( a ) ( XXXX ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my XXXX XXXX and ability to obtain favorable credit terms.

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 2025-09-19 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: NY

Complaint narrative:
upon checking my credit reports from Transunion and equifax i noticed unauthorized inquires and fraudulent accounts on my credit file please investigate and remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
I am filing this complaint to the Consumer Financial Protection Bureau because my credit report is reporting inaccurate, unfair, and misleading information that is causing me harm. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 602 ( A ), 607 ( B ), 611, and 609, which state that consumer reporting agencies must maintain maximum possible accuracy, conduct a reasonable reinvestigation when disputed, and provide the source of all reported information. I am requesting that CFPB review these violations and ensure that my rights are enforced because this situation has directly impacted my ability to obtain credit, housing, and fair lending opportunities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$340.00} Late Payment XXXX XXXX This account continues to report a late payment that I do not recognize. FCRA 602 states that credit reporting must be fair and equitable, yet reporting an alleged delinquency without providing any original signed agreement or complete payment history violates FCRA 611 ( a ) ( 1 ) ( A ) because it is unverifiable. The Fair Credit Billing Act also provides that creditors must respond with proper documentation when a consumer disputes an entry, which has not been done. If this creditor can not produce a copy of my signed contract, account opening documents, and a complete ledger showing the payment dates proving delinquency, this account must be deleted immediately. Continued reporting of this unverifiable late payment is reckless and damaging to my financial reputation. 

I am asking the Consumer Financial Protection Bureau to investigate these matters thoroughly, ensure that the credit reporting agencies and furnishers are following the FCRA, and require deletion or correction of all inaccurate, unverifiable, or unauthorized information. This is not just a request for correction but a demand for enforcement of federal law to protect me as a consumer from continued harm and financial discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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