vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Olympus1 LLC
State: MO

Complaint narrative:
Alleviate started out really good, but since the company has deteriorated. A credit company is trying to sue me and they have done absolutely nothing, will barely respond to me, refuse to try to negotiate w the company and then they have stated they may or may not send attorneys if the court picks up the case. Management and customer service is garbage.

They also acted as if I could not contact the debt companies after I signed w them, but then changed their tune.

I am in this financial crisis due to family court, in the first place. Sick and tired of failing agencies... one after another.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Complaint Narrative I am filing this complaint because Comenity Capital Bank is reporting an inaccurate late payment on my credit report for my XXXX credit card account.

Original Payment : I paid the full outstanding balance on my account in XX/XX/2025 with the intent of XXXX  out the balance completely. 

The Error : Due to the timing of my payment, a small, residual amount of interest and/or fees posted to the account after my payment cleared, resulting in a minor past-due balance. This small charge was the sole cause of the subsequent late payment mark reported by Comenity Capital Bank. 

Late Reporting Period : The account was reported as late to the credit bureaus for the period covering the XXXX XXXX  payment cycle. 

Resolution of the Balance : I contacted XXXX, and the underlying issue was acknowledged and resolved. The residual interest and late fees were waived or credited back, and the operational balance issue is now corrected. 

The Credit Reporting Failure : Despite the account being brought current and the fees being removed, Comenity Capital Bank has failed to correct the inaccurate late payment report it sent to the credit bureaus for XXXX XXXX. This inaccurate information is currently damaging my credit score.

Attempts to Resolve : I have been unable to reach the correct department at Comenity Capital Bank by phone to get this credit reporting error manually corrected, which has forced me to escalate this issue through the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-22 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: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
Dear Equifax 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 : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-22 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: SC

Complaint narrative:
I to legally change both my name and social security number for personal reasons. I thought I'd updated it everywhere in my CashApp, which I use mostly to send money back and forth to my children if the need assistance or to my grands if they need anything. Recently, I decided to try my hand at investing but wanted to start small with a a little XXXX dollar investment. However, when I attempted to transfer money to my account, I was unable to verify my identity, my prior name needed to be updated. So on XX/XX/XXXX, I contacted support and was sent a secured link to upload my drivers license ( front and back ), a picture on myself holding up my license, and a copy of my sealed court orders which changed my name in XX/XX/2023. Since then, I've received 3 different email with the same copy and paste message stating my " issues have been noted and escalated. '' and that it would take then time to complete the request due to tax paperwork. I even received two different emails requesting feedback on the completion of my request. To date, my name is still incorrect, and noting has been updated. I provided CashApp support with a letter from the Social Security Administration, stating my SSN has been changed and that they no agencies are to be using it. In response, the representative I was speaking with closed the chat on me. I have funds stuck in my account that U can not access now due to my inability to verity my own identity and I am unable to get the necessary assistance from the advocates at CashApp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
I am filing this complaint because there are multiple unauthorized or excessive hard inquiries on my credit report that I did not directly authorize or consent to. These inquiries have caused my credit score to drop significantly and are negatively affecting my financial opportunities. 

The companies that pulled my credit without my consent include ( list the names and dates shown on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I did not apply for financing or give written authorization for all of these inquiries. Some were made during car shopping without my explicit consent to multiple lenders. 

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ), credit inquiries must be authorized by the consumer. I am requesting that these inquiries be investigated and deleted if no verifiable authorization can be produced.

Please ensure this complaint is sent to all relevant parties, including the credit bureaus ( XXXX XXXX XXXX XXXX  ) and the listed creditors.

I am also seeking corrective action to restore my credit score and prevent future unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-22 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:
Dear Equifax 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 : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I recently requested a copy of my ChexSystems report and noticed an alleged account from XXXXXXXX XXXX  showing that I owed {$220.00}, with the account reportedly closed on XX/XX/year>. I have no knowledge of this account and have never owed any money to XXXXXXXX XXXX  or maintained any account with them. I have contacted ChexSystems four times to dispute and resolve this issue, but each call has been unhelpful. The representatives I spoke with seemed unwilling to assist, and there has consistently been a language barrier, making communication difficult. Each time, the representative rushed the conversation and ended the call without providing meaningful help or a clear resolution path. I am deeply concerned that ChexSystems is reporting inaccurate information that could negatively impact my ability to open bank accounts or access financial services. I am requesting that the CFPB investigate this matter, ensure ChexSystems properly investigates this disputed information, and confirm that any inaccurate or unverifiable account is removed from my file immediately. I would also like confirmation of the results of the investigation and assurance that future communication from ChexSystems is clear, helpful, and professional.

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 2025-10-22 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: TN

Complaint narrative:
On XX/XX/year>, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against [ Insert Bureau Name ] for inaccurate and unverifiable information being reported on my credit file. 

On XX/XX/year>, the company acknowledged the complaint and stated they were working on the issue. 

Then, on XX/XX/year>, I received a physical letter from the company stating that they had verified all disputed information without providing any documentation or explanation of the verification process, in direct violation of 15 U.S.C. 1681i ( a ) ( 7 ) which requires them to disclose the method of verification. 

Subsequently, they responded via the CFPB portal that they were unable to respond due to lack of information. This is both misleading and contradictory, as they previously claimed to have verified the information and had mailed me a letter stating such. 

Their responses are inconsistent and do not comply with federal consumer protection laws. They are failing to verify the disputed information, refusing to provide evidence, and continuing to report data that is inaccurate, unverifiable, and harmful to my credit profile. This is willful noncompliance with the Fair Credit Reporting Act and should result in the immediate deletion of all disputed items.

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 2025-10-22 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : FCRA Section 605 ( b ) Dispute Unauthorized Furnishing and Access of My Personal Information Dear XXXX, I am submitting this letter to formally dispute and request the blocking of fraudulent information on my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, and certain information appearing on my credit reportincluding the Ally Financial account XXXX XXXXwas opened or reported without my authorization I have recently become aware that certain personal or account information appears in my XXXX credit file, even though I never provided written authorization for any person, company, or entity to furnish, access, or obtain my credit or personal data. This constitutes a clear violation of my rights under the FCRA.

Therefore, I am demanding the following actions : 1. Immediately investigate and delete any and all information, accounts, or inquiries that were furnished or obtained without my explicit written consent.

2. Provide me with a full list of all entities that have accessed or furnished information to my file within the past 24 months.

3. Send me a written confirmation of the permanent deletion or correction of any unauthorized information within 30 days, as required by federal law. 

This letter serves as my formal dispute under FCRA Section 605 ( b ). I expect a full investigation and prompt written response confirming compliance with federal requirements. 

Sincerely, XXXX XXXX DOBXXXX [ Last 4 of SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

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 2025-10-22 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: DISCOVER BANK
State: FL

Complaint narrative:
My discover account was hacked with over {$4000.00} of fraudulent charges, which I called Discover multiple times on this issue and they. which they told me that the charges were made on an old closed account of mine. This issue happened in the past on an old account I had last year ; which discover reimbursed me the charges and the account was closed ; now they are telling me these new charges were supposedly made on the old account which XXXX you they said they closed last year; yet they want me to pay these charges that I did not make on an old closed account. Plus I had placed my new account on freeze for months prior to these fraud charges occurring, so i do not understand how discover could make these fraud charges go thru for payment. 
They sent me a letter dated XX/XX/year>XXXX  that they were unsuccessful in contacting me via telephone for additional information ; which is a blatant lie as I spoked to them via phone at least 3 times. The first time I spoked with them they had initially credited back my account for all the fraudulent charges plus the exorbitant interest rates they placed on these charges. They then subsequently reinstate these fraudulent charges and expect me to pay these charges. I have tried several times after this calling discover to get this resolved. I asked for a supervisor or the person who denied the claim for reimbursement but to no avail ; and they will not tell me what " additional information they need ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NY

Complaint narrative:
Dear TransUnion 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 : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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