vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am unable to access or manage my Experian credit file because it is security frozen and I can not authenticate into my account. My PIN does not work, and my password also does not work, leaving me completely locked out. 

After many attempts to speak to an agent without success and several emails and letters, on XXXX XXXX, 2025 I mailed Experian all requested identity verification documents ( government-issued ID, proof of address, etc. ) to resolve this issue. According to tracking, Experian received these documents approximately six weeks ago, yet I have received no response, confirmation, or resolution.

As of today, my credit file remains frozen, and I am unable to unlock it, reset my credentials, or otherwise access my credit report. This has prevented me from managing my credit and may interfere with legitimate financial activities.

I have attempted to resolve this directly with Experian, but the lack of response and inability to access my account has left me with no alternative but to file this complaint.

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 2025-12-22 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: CA

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report, as the information is inaccurate and I believe there are errors related to the reporting of these accounts. Please review the details below : Charged Off Accounts : XXXX XXXX XXXX XXXX, XXXX, CA XXXX -- XXXX Inquiries : XXXX, XX/XX/year> Late Payments : XXXX XXXX XXXX XXXXXXXX

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 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
we had a business credit card with bank of america and a business account made with bank of a america as well. the card fell behind due to not having the funds to pay the card and trying to make a settlement for a payment we could pay but they weren't able to offer a payment plan we can pay monthly to try to catch up with the payment ( the lowest they offered was XXXX a month and we couldn't agree to those terms due to not having the funds. the card fell behind 3 month and bank of america remove XXXX out of our business account without our consent. We called and they said they had the right due to the agreement that was made when opening the bank of America account when I was asking for the offset to be reimbursed. so I asked then to send me my proof of signature that stated autorization.they said it would be sent in 10 business days. when we received the letter it had no signature on file. so I called again another 2 hours on the phone for them to tell me they are sending the documentation again and they aren't giving me the money back since it was allowed do to the agreement sign when opening the account as I stated above I said if you don't have my signature you must reburse my money. I have called 3 times to get my reimbursement and I'm tired of the run around I want it back and they don't have the signature on file.

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 2025-12-22 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:
Dear Sir/Madam, I am writing to formally dispute certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. Below are the accounts I am disputing : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Late Payments XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts [ No charged-off accounts listed for Experian ] Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Late Payments XXXXXXXX XXXX Account Number : 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 2025-12-22 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: MI

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : Inquiries : XXXX, XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-12-22 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: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00} XXXX XXXXL Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} Inquiries [ No inquiries listed for Equifax ] Late Payments XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
XX/XX/year>, copy of Certificate of Deposit ( CD ), {$15000.00}, with my name as Personal Representative named for a parent...

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 2025-12-22 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: CT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: CT

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 2025-12-22 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: MD

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy of the following information reported on my credit report with Equifax under Section 605B of the Fair Credit Reporting Act ( FCRA ). The specific information I am disputing is as follows : Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Inquiries : XXXX, XXXX XXXX, XXXX Late Payments 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under 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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I manage all of my payments with CitiBank via their mobile portal. On XX/XX/year> I went into my portal with the intent to pay off my balance, five ( 5 ) days before my scheduled payment date. On XX/XX/XXXX the CitiBank mobile app gave me an option to make a payment amount, including pay total balance due of {$12000.00}. I paid that total amount via ACH, happy to have paid off such a substantial credit card. 

On XX/XX/year> my CitiBank mobile app shows a payment due of {$150.00}, representing interest owed. This interest was not disclosed on XX/XX/year> as outstanding, potentially outstanding, or due at a later date. Discussions with numerous CitiBank personnel indicated that interest is charged daily and needs to be presented on a statement in order for it to be due (? ). I asked that the interest be waived since I paid over $ XXXX and there was no indication on the mobile app, emailed confirmation of my $ XXXX being accepted or elsewhere stating that additional interest charges were still accumulating and would be due and owing. My interest waiver request three times. I was on the phone with CitiBank for 55 minutes as of my writing this complaint and the last agent hung up on me.

I find CitiBanks mobile app deceptive and unfair in failing to quote accrued interest in the balance due field, leaving consumers with interest continuing to accrue even after significant balances are paid in full.

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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Chime Financial Inc
State: OR

Complaint narrative:
I filed a dispute on someone hacking all my accounts and charging my cards on my apple pay extreme amounts of money as well as using my card number and taking as much as XXXX out of my bank account and when filed the dispute with chime I showed them all documentation they said they would expedite it its been longer then a month and still nothing I have sent them so much documentation to prove even the places my card went the company telling me that if I say I made those charges they would give me money back and bribbing me when I did not make the charges I have had identity theft along with my accounts getting random money taken from me and chime has not done XXXX thing other then have my family in a more tighter situation having to put my bills on hold also late on my loan payments due to all of this mess I have literally give them so much documentation to prove this wasn't me but still nothing this is a extreme urgants that's I need my money back to help my family thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: OK

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: OH

Complaint narrative:
I am disputing the following account on my Experian credit report as it contains inaccurate information : CHARGED OFF XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} INQUIRIES ( There are no inquiries to dispute on this bureau. ) LATE PAYMENT XXXX XXXXXXXX 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 2025-12-22 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: AZ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: OH

Complaint narrative:
I am submitting this complaint regarding a merchant-caused debit transaction error by XXXX XXXX XXXX and the resulting unfair financial harm and penalty assessment by Cash App, which has compounded the damage. 
On XX/XX/XXXX, I made a five-night reservation at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and became a XXXX XXXX XXXX for this stay. 
On XX/XX/XXXX, while traveling from XXXX  to XXXX XXXX I learned that my sister had been XXXX. Despite this, my family continued the trip to be with relatives. 
Upon arrival at the hotel at approximately XXXXXXXX XXXX, a XXXX front desk employee canceled a debit card transaction after it had already processed, causing {$1200.00} to be removed from my Cash App account and placed into a pending status. I received immediate notification of this transaction. 
This was merchant error, not consumer action. XXXX staff failed to correct the issue and instructed me to contact my bank. 
As a direct result : I lost access to {$1200.00} I was unable to repay my Cash App loan Cash App has continued to assess penalties and fees I have incurred approximately {$500.00} in additional financial damages I experienced cascading financial hardship during an extreme family tragedy I promptly notified both XXXX and Cash App. Cash App has acknowledged the transaction is pending and disputed but has stated resolution may take up to 45 days, while penalties continue to accrue, despite the hardship being merchant-caused and documented. 
I have requested : Temporary suspension of penalties Hardship accommodation Account notation reflecting merchant-caused dispute As of this filing, penalties are still being assessed. 
This situation has caused substantial financial harm, emotional distress, and inability to meet obligations, despite good-faith efforts and immediate notice. 
I am requesting CFPB assistance to ensure : Fair treatment during a pending merchant dispute Suspension or reversal of penalties assessed due to inaccessible funds Proper handling of electronic funds transfer errors Good-faith resolution between the financial institution and merchant

Company response to consumer: Closed with explanation