vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
On XXXX XXXX, I noticed inaccurate information being reported on my credit report by Experian. I disputed the information directly with the credit reporting agencies on XXXX XXXX explaining that the account ( XXXX ) were being reported inaccurately and requesting a proper investigation under the Fair Credit Reporting Act ( FCRA ). 

The credit reporting agencies responded with results indicating that the information had been verified as accurate. However, no evidence or documentation supporting the verification was provided to me. I believe a reasonable investigation was not conducted, as required by law, because the disputed items remain without correction and no proof of accuracy has been presented. 

Since then, I have attempted to resolve this matter by submitting additional disputes and providing supporting documentation. Despite my efforts, the agencies have continued to report the same inaccurate information, which has negatively impacted my credit profile and ability to obtain credit. 

I am requesting that the Consumer Financial Protection Bureau ensure that the credit reporting agencies and furnishers conduct a proper reinvestigation of my dispute ( s ) and either provide documented proof of accuracy or remove the inaccurate information from my credit 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 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XX/XX/year> I asked credit reporting agencies to remove multiple errors from credit report for this account. I recieved a dispute summary of updated information and its still incorrect.

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 2025-08-30 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: MI

Complaint narrative:
i recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my dad sent me {$50.00} on cashapp but it never went through even though it says it has been received it also says it is still pending. Cashapp said it will take 2 days to resolved and it has been two months and they keep lying to me saying to wait 2 days for an email i never received. This should be illegal they are holding XXXX dollars from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc.
State: FL

Complaint narrative:
Upon completing the required payment services with Self, my account was unexpectedly blocked, preventing me from accessing services that remain active and paid. Despite reaching out to customer support, no resolution has been provided, and I continue to be denied access to my account. 

I previously raised this issue in an email and have attached the full email thread as supporting documentation. To date, no corrective action has been taken. 

Demand for Resolution : I respectfully request that my account access be restored immediately. I have fulfilled my payment obligations, and continued denial of access constitutes a failure to provide services that have been duly paid for. 

Please confirm in writing within 5 business days that my account has been reinstated. If no resolution is provided, I will be compelled to escalate this matter further, including filing a formal complaint with the XXXX XXXX XXXX and pursuing remedies under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX  under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-30 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2025-08-30 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: ProCollect, Inc.
State: FL

Complaint narrative:
A fraudulent account was established using personal identification without my authorisation.

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 2025-08-30 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
A fraudulent account was established using personal identification without my authorisation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
I am writing to dispute the accuracy of the collection account recently reported by XXXX XXXX XXXX XXXX regarding an alleged XXXX  balance of {$450.00}. This account is inaccurate and must be removed immediately. 

This same account was previously reported by a different collection agency and deleted following my dispute. Under the Fair Credit Reporting Act ( FCRA ), once an account has been removed for being inaccurate or unverifiable, it can not legally be reinserted by another company without providing me with full written verification. No such verification has been provided. 

Furthermore, I have submitted an identity theft report regarding fraudulent activity in my name. In accordance with the FCRA, when a consumer provides an identity theft report, any account or inquiry resulting from that fraud must be blocked from their credit file. The continued reporting of this account violates my rights under federal law. 
Additionally, I am disputing the following hard inquiries, which were not authorized and negatively impact my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/ I sent dispute letters to the credit bureaus requesting them to change the incorrect personal information being displayed to the correct information that i provided and i never seen or heard anything back about the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/ I sent dispute letters to the credit bureaus requesting them to change the incorrect personal information being displayed to the correct information that i provided and i never seen or heard anything back about the situation.

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 2025-08-30 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: FL

Complaint narrative:
To : [ Experian / XXXX  ] From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor : XXXX This account is reporting inconsistently across the credit bureaus in violation of : FCRA 623 ( a ) ( 1 ) ( A ) : A furnisher shall not furnish information it knows to be inaccurate.

FCRA 623 ( a ) ( 2 ) : Furnishers must correct and update information that is incomplete.

Metro 2 Compliance : Uniform reporting is required ; however, TransUnion does not show a charge-off while Experian/XXXX  do.

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 2025-08-30 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: FL

Complaint narrative:
To : [ XXXX  / Equifax ] From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor : XXXX This account is reporting inconsistently across the credit bureaus in violation of : FCRA 623 ( a ) ( 1 ) ( A ) : A furnisher shall not furnish information it knows to be inaccurate.

FCRA 623 ( a ) ( 2 ) : Furnishers must correct and update information that is incomplete.

Metro 2 Compliance : Uniform reporting is required ; however, TransUnion does not show a charge-off while XXXX/Equifax do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year>, I received XXXX emails from Chime to my personal email notifying me that there was attempts to log in and create an account under my email. Then, I received a welcome email and direct deposit form from Chime with my name on it. I called Chime immediately to close down this account but all they could do was remove my email from the account and then they sent me an email for steps to actually close it down. The representative was uncooperative and quite frankly, seemed almost angry that I was reporting fraud. Im going to follow through with those steps but this is completely unacceptable and frightening. Chime does not deserve to be a business and should be ashamed for operating in such ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This XXXX XXXX credit card account ( opened XX/XX/XXXX ) was charged off in XX/XX/XXXX. However, Experian continues to update the account as if it is a new charge-off every month. My Experian file shows ongoing monthly charge-off notations through XX/XX/XXXX ( screenshots attached ). 

A charge-off can only occur once. Ongoing reporting of new charge-offs re-ages the account and misrepresents its true status, which is inaccurate and harmful under FCRA 1681s-2 ( b ). I previously disputed this with XXXX, but they verified without correcting the inaccurate reporting. 

I request that this account be corrected to show only the original charge-off date or be deleted entirely if accurate reporting can not be ensured.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: SC

Complaint narrative:
* * CFPB Complaint Identity Theft / Experian Failure to Investigate & Remove Fraudulent Accounts * * * * Company Complained About : * * Experian XXXX XXXX XXXX * * Accounts in Dispute : * * * Affirm Account # : XXXX  * Affirm Account # : XXXX * Affirm Account # : XXXX * * Complaint Summary : * * I am the victim of identity theft. The above-listed XXXX accounts are fraudulent and do not belong to me. I have provided Experian with extensive documentation proving this, including : * Copy of my government-issued ID * Copy of my Social Security card * Utility bill verifying my address * FTC Identity Theft Report * Police Report confirming fraudulent activity Despite receiving all required documentation, Experian has failed to comply with its legal obligations under the * * Fair Credit Reporting Act ( FCRA ) * *. Specifically : * Under * * FCRA 605B * *, Experian is required to block fraudulent information within * * XXXX business days * * of receiving proper proof of identity theft.

* Under * * FCRA 611 * *, Experian is required to conduct a proper reinvestigation.

Experian has violated both provisions by continuing to report these fraudulent accounts on my credit file. As a result, my * * credit worthiness has been harmed * *, and I have been forced to repeatedly resubmit documents that Experian already received.

* * Requested Resolution : * * I demand that the CFPB require Experian to : 1. * * Immediately delete * * the fraudulent XXXX accounts listed above.

2. Provide written confirmation of the deletion.

3. Ensure compliance with FCRA guidelines to prevent further harm to my credit report. 

If Experian continues to fail to take corrective action, I will consider pursuing further legal remedies.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
I had a checking account with XXXX XXXX somehow it became overdrafted but was taken care of due to a direct deposit but XXXX XXXX kept letting someone I believe two business hit my account multiple times racking up fees, I had also asked the companies to stop trying to charge that account and canceled any automatic payments and then went into the bank and closed my account this should have been it no negative balance and no account well that wasnt it they somehow wrongly took a direct deposit from someone who couldnt stop it I had to wait for it to bounce back and or be returned then payment could be reissued to me not via this account! Well even though this account was closed somewhere someone somehow decided to keep a XXXXXXXX XXXX deposit that wasnt ment for them they were supposed to return it to issuer but failed to I spent weeks trying to figure out where this money was because the issuer didnt have it bank said they didnt and account was closed no one knew and I was at a loss finally after digging really deep into this closed account because I raised a stink saying issuer never got it returned bank stated they had returned anyway finally it shows up buried deep deep hidden that they bank actually kept all the money! They werent supposed to what they did was wrong! And they werent ignorant about it too now I see that they have sent a {$540.00} negative balance on this account to the creditors and its in collections showing a bad mark on my credit report they kept that deposit and that was well more than ever needed to zero out any negative balance it this account was closed and wrote off before they kept the deposit causing me almost a XXXX XXXX  in debt plus keeping a deposit and still saying I owe over XXXX XXXX they wont fix it collectors wont help me fix it or remove it or adjust amount supposedly owed if any that definitely shouldnt be any! I need help any no one will help me, listen to me, or give me proper documentation! All they want to do is harass me daily for more money on a debt I shouldnt have!

Company response to consumer: Untimely response
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Purchased a XXXX XXXX  for {$550.00} and I never received the item I disputed this purchase but it was declined and I never received my item.

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