vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.

Complaint narrative:
I did not respond to a message from Citibank about an unauthorized purchase. I did not respond so the checking account was frozen. 

So I called the XXXX Department at Citi on XX/XX/year>. They were able to validate the activity and told me that my " access '' was restored. 

However, when logging into my online dashboard on the Citi website, my checking account is not there. This is a huge problem because I am unable to pay my credit card bill. I don't even know how much money I have in my checking account. It's just not there. When I try to pay my credit card bill, my checking account does not appear. There is no way for me to pay it online. 

I am currently in XXXX so the calls I've made to Citibank has cost me {$120.00} XXXX XXXX. They keep telling me my checking account is restored. I understand that but that is not the problem. 

The problem is that I can't see it online in my Citi dashboard.

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 2025-08-07 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-08-07 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: SC

Complaint narrative:
Inquiry was not authorized XXXX XXXX XXXXXXXX Inquiry was not authorized XXXX  - XXXX Account not mines XX/XX/year> XXXX  XXXX  Account not mines XX/XX/year>XXXX XXXX XXXX XXXX Account not mines XX/XX/year> XXXX XXXX Account not mines XX/XX/year> XXXX  Account not mines XX/XX/year>XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One unexpectedly closed all of my credit card accounts without any prior notice. When I called to inquire, I was told that the closures were due to " returned payments. '' However, all of my recent payments were successfully withdrawn from my checking account, and there is no evidence of any returned or failed payments.

Furthermore, when I spoke with a Capital One representative, she falsely claimed she could see notices on my account that were allegedly sent, but those notices never existedthey do not appear in my online account, email, or physical mail. This suggests either misrepresentation or a failure in Capital Ones notification system.

Closing all of my accounts without proper justification or notification has significantly harmed my credit score and financial standing. I am requesting that CFPB investigate this matter, ensure accurate reporting to credit bureaus, and require Capital One to provide documentation of their reasoning and communications. 

Desired Resolution : Provide proof of any " returned payments '' Show notification history for account closure Reopen accounts or correct credit reporting if closure was unjustified Hold Capital One accountable for false or misleading statements made by their representative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2025-08-07 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: KS

Complaint narrative:
I am reporting a medical collection account from XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX, balance : {$840.00} ) that continues to be reported by Experian. 

This account has been deleted by both XXXX XXXX XXXX, yet remains on my Experian file. I previously disputed it, but Experian has not provided an itemized breakdown of the debt or justification for why it is still being reported. The balance was also updated on XX/XX/year>, during the ongoing dispute, which I find concerning.

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 2025-08-07 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:
This is my XXXX  follow up a compalint and final notice requesting that you investigate and remove the following items from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( a ). Under this section, a consumer reporting agency XXXX only furnish a consumer report if there is a permissible purpose, as defined by law. I have repeatedly requested proof that the following party/parties had a legally permissible purpose to access and report information on my credit file : Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-07 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: CA

Complaint narrative:
THIS IS THE LETTER I SENT TO EQUIFAX : To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN ( last 4 digits ) : XXXX Date : XX/XX/XXXX Subject : Formal Dispute and Cease & Desist Request Regarding Inaccurate Reporting of XXXX, XXXX Account on My Equifax Credit Report To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and a Cease & Desist notice under 15 USC 1692c ( c ) concerning the reporting of an account listed as follows on my Equifax credit report : Creditor Name : XXXX, XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment Status : Collection/Chargeoff Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Reported Balance : {$0.00} Reported High Balance : {$0.00} Grounds for Dispute : This account is no longer active and shows a {$0.00} balance. There is no valid reason for it to continue reporting under " Collection/Chargeoff '' status, particularly when XXXX  and XXXX  have both updated their records correctly as Closed and with no negative status. 

The reporting of this derogatory status on Equifax is inaccurate, misleading, and materially damaging to my credit profile. 

Under the FCRA, I am entitled to the reporting of accurate and complete information. This inconsistency among bureaus ( XXXX ) proves the presence of a reporting error on your end. 

Cease & Desist Demand : Furthermore, under 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act, I formally request you cease and desist all further communication and negative reporting related to this account. Continuing to furnish derogatory or outdated information without proper validation constitutes willful noncompliance, which may be subject to legal action and monetary damages. 
Request for Action : Immediately delete or correct the reporting of the XXXX, XXXX account to reflect Closed/XXXX  Balance/Not in Collection or Chargeoff. 

Provide written confirmation of the changes made to my Equifax credit report within 15 days of receipt of this dispute. 

If you believe you are unable to correct or remove the item, you are required under law to provide me with the documentation used to verify its accuracy. 

Please consider this a formal notice of dispute and demand for resolution. I am keeping copies of this letter and my credit report for documentation. If this matter is not resolved promptly, I am prepared to take further action by escalating this to the Consumer Financial Protection Bureau ( CFPB ) and exploring all legal remedies available. 

Sincerely, XXXX XXXX XXXX ( last 4 digits ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
My credit report is updating with XXXX and XXXX  but with Experian it has XXXX in debt and hard inquiries that are not mines/ I don't recognize. I wrote letters to Experian and mailed them all, they send them back. I disputed the inquiries on my app and called them and tried to dispute the inaccuracy with the dispute department. I was told to do it online they couldn't help me. my score is in the XXXX with XXXX and XXXX XXXX  XXXX on their side. Experian its poor and lenders are denying me when I have asked Experian To fix my credit report/updated it. I paid for a membership thinking it would help or refresh on its on. Experian refund me my money back. Every one pulls people credit reports from Experian because they can get all 3 credit report and mines is completely wrong it has not be updated with Experian sent Year 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 2025-08-07 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am reporting that ChexSystems and XXXX XXXX XXXX  are improperly using my personal information, which has resulted in my inability to open new bank accounts. I did not authorize or consent to the sharing or trading of my personal information with these reporting agencies. Furthermore, I have reason to believe that XXXX XXXXXXXX XXXX sold and/or traded my personal data without my knowledge or permission, leading to inaccurate or unfair reporting. This misuse of my personal information is causing undue financial harm and restricting my access to basic banking services.

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 2025-08-07 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I am reporting that XXXX and Early Warning Services are improperly using my personal information, which has resulted in my inability to open new bank accounts. I did not authorize or consent to the sharing or trading of my personal information with these reporting agencies. Furthermore, I have reason to believe that XXXX XXXX XXXX  sold and/or traded my personal data without my knowledge or permission, leading to inaccurate or unfair reporting. This misuse of my personal information is causing undue financial harm and restricting my access to basic banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: OR

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report. I previously filed a dispute with Experian and provided supporting documentation, including an FTC Identity Theft Report, requesting the removal of inaccurate or unverifiable accounts related to identity theft. Despite receiving the documentation, Experian has not removed the fraudulent accounts, nor have they provided a valid reason for failing to do so. 

This behavior appears to align with the recent CFPB lawsuit against Experian, which alleges systemic issues such as failing to forward consumer-provided evidence to furnishers, relying on unreliable responses from data furnishers, and failing to adequately notify consumers of dispute outcomes. These violations reflect my experience directly Experian has neither properly investigated nor corrected the items in question, and my credit continues to be negatively affected. 


XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$610.00} Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Repossession. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$610.00} Status Collection account. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$3.00} Hard inquiries XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX I am requesting that the CFPB intervene and compel Experian to : Remove the disputed accounts immediately per FCRA Section 605B ( 15 USC 1681c2 ), Provide a written explanation for their refusal to comply, if they deny removal, and Ensure accurate, fair, and complete reporting in accordance with federal law.

This complaint may also apply to Equifax and TransUnion, who have similarly failed to act upon valid identity theft documentation and maintain harmful errors on my 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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: GA

Complaint narrative:
I, the complainant, am writing to express my extreme dissatisfaction with the handling of my Cash App account. My account was closed approximately 3 years ago due to a supposed policy violation. Despite my repeated attempts to resolve this issue with Cash App customer service, I was never informed of the specific actions or transactions that led to this decision. 

Details of the transactions on the account include : - A {$1.00} payment to verify another account. 
- A payment of {$220.00} received for a transmission sold on XXXX. 

I, the complainant, have complied with all requests from Cash App customer service during these 3 years. Furthermore, I have opened and verified a new Cash App account. The continued lack of access to my original account and the inability to obtain clear information on why it was closed has caused me significant inconvenience and distress. 

I believe Cash App has not provided adequate explanation or resolution regarding the closure of my account. I, the complainant, request that Cash App : - Provide explicit reasons for the closure of my account based on the transactions and activities mentioned. 
- Offer a resolution to regain access to my funds in the original account. 
- Address why I was not informed of the specific policy violation leading to account closure. 

I expect a prompt response regarding the actions Cash App will take to address these concerns. I want to be heard and have this matter resolved fairly considering I have cooperated fully with their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-07 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: VA

Complaint narrative:
I DID NOT GIVE WRITTEN CONSENT TO REPORT THESE STUDENT LOANS TO MY CREDIT REPORT.I am writing to dispute the accuracy and legitimacy of a student loans account currently listed on my credit report. Upon review, I believe this account was established and/or reported without my full knowledge or authorization, and appears to have been the result of an unauthorized disclosure or use of my educational records, which constitutes a violation of : The Family Educational Rights and Privacy Act ( FERPA ) The Privacy Act of 1974 ________________________________________ Disputed Account Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : I never knowingly or legally authorized this loan, nor did I provide informed consent for the disclosure or use of my personal or educational records in the creation or servicing of this account. Under FERPA, any educational record disclosure without proper written consent is prohibited. Similarly, under the Privacy Act of 1974, no agency or affiliated party is permitted to disclose or use my personal information without proper authorization

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