vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Got locked out of my account because I was trying to link my bank account to my XXXX and called customary service to get my account unlocked. Got told that I needed an account number and or debit card number which I dont have since I cant access my account and the delivery date for card hadnt arrived. So I suggested using my social security number as verification which they agreed. I was told to provide my secret word which I have no recollection of being told to provide at all. I was told that it was my mothers maiden name which I proceeded to provide and was told that it was wrong. Kept trying to provide other forms of ID as proof and was shut down immediately by the customer service rep. Called a few days later after the card was supposed to be shipped to my location ( card was never sent to me till this day ) and requested for a status for when I could receive my card and they refused to provide me with that information because I didnt have sufficient proof of identification spoke with a manager today about this and they didnt even try to help at all and shut me down instantly as well. Now I dont have access to my funds, havent received any debit card from this institution and havent been provided with a solution.

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 2025-06-08 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: OH

Complaint narrative:
To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Late Payment Reporting XXXX XXXX Account Re : FCRA Violations XXXX XXXX. XXXX, XXXX, and XXXX ( b ) Dear TransUnion and Experian, I am writing to formally dispute the inaccurate late payment reporting associated with my XXXX XXXX account, originally opened on XX/XX/XXXX, and closed on XX/XX/XXXX, with a {$0.00} balance. According to the payment records and history I maintain, all payments were made on time, and your reporting of delinquencies is inaccurate, misleading, and harmful to my credit profile. 

Account Details : Creditor Name : XXXX XXXX XXXX XXXX : {$8500.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reported Balance : {$0.00} Disputed Late Payments : Please update the following reported late payments to Paid on Time as they are inaccurate : XXXX : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX These notations falsely imply a pattern of non-payment, which is not accurate. I maintained my payments on time and fulfilled all obligations associated with this account. Your records falsely reflect only XXXX XXXX on-time payments, which conflicts with the factual and verifiable payment history. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under the following sections : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires that you conduct a reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( a ) : Mandates furnishers to avoid reporting inaccurate information and to promptly correct any errors.

15 U.S.C. 1681e ( b ) : Obligates you to maintain procedures to ensure the maximum possible accuracy of consumer information.

You are hereby requested to : 1. Immediately investigate this matter ; 2. Correct the XXXX XXXX payment history to reflect all payments as on time ; XXXX. Provide a copy of the updated credit report upon completion of the investigation ; XXXX. Disclose the method of verification and name of the furnisher that confirmed the inaccurate data. 

Failure to resolve this matter may result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential civil litigation under 15 U.S.C. 1681n & 1681o for damages resulting from negligent or willful noncompliance.

Thank you for your prompt attention to this urgent legal matter. 

Sincerely, XXXX XXXX XXXX Without Prejudice

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 2025-06-08 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 is my third formal request regarding the inaccurate charge-off information currently reported on my credit file. I have previously sent two certified dispute letters requesting an investigation and removal of this inaccurate data in accordance with the Fair Credit Reporting Act ( FCRA ), but I have yet to receive a response or confirmation of action taken. 

This continued lack of response is a violation of my rights under 15 U.S. Code 1681i, which requires a reinvestigation within 30 days. I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are protected and to request the immediate removal of the inaccurate account information. 

XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Experian Information Solutions Inc . Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX ) - XXXX XXXX BANK XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX  XXXX, XXXX ) XXXX XXXX XXXX  # XXXX *, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Experian Information Solutions Inc. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-06-09 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: FL

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
Someone opened a credit card with Current under my name. I had recieved emails about a new account made with current weeks ago, but I shrugged them off as phishing scams and just flagged them. But I went to check my XXXX XXXX account, and noticed a new account with Current, which made me now realize were real emails. So I am now taking action. I'm usually very careful about my information, and I'm not quite sure how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I have made several attempts to contact the company regarding this issue. My social security number has been used by a relative to open several accounts. I have been unable to get a response from them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: Avant Holding Company, Inc.
State: IL

Complaint narrative:
According to FCRA section 605B, it is illegal to report information on my credit report without my permission, thank you please remove this from my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paramount Capital Group, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  charge off.  Request delete charge off 15 U.S. code 1681(c) 2'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: MD

Complaint narrative:
The 1 account and 4 inquiries reporting negatively on my EQUIFAX credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: TX

Complaint narrative:
Subject : Denial of Consumer Report Request Violation of FCRA To Whom Lexis Nexis Customer Number XXXX Case number XXXX On XX/XX/2025, I submitted a request for a copy of my full consumer disclosure report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). My request was improperly denied, and I have not received a valid written explanation for this denial, as required under the law.

This letter serves as a formal demand for LexisNexis to : Immediately provide me with a complete copy of my consumer file Explain in writing the basis for your previous denial Comply with your obligations under the FCRA within 15 days If this issue is not resolved, I am filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

11. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Equifax Information Services LLC has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

12. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
Please check the information concerning the Equifax data breach below in attachments.

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 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
What happened?

Cash App ( Block, Inc. ) wrongfully closed my account without explanation, claiming I violated their Terms of Service. This was a brand new account that had only processed 23 normal, legitimate transactions. I did not violate any policies.

I attempted to resolve this with their support multiple times. I was not given any specific reason for the closure, nor was I offered a meaningful way to appeal. The result is that no one can send me money via the app, and Im unable to access the service altogether.

I did not receive notice or due process, and I believe this is a wrongful action that violates fair business practices. There was no fraud or suspicious activity on my account, and I have documentation to support that.

This has caused financial and emotional stress, and I am now preparing to file a small claims lawsuit if the issue is not resolved. I am requesting a full manual review, reinstatement of my account, or a formal explanation with any eligible refund if owed.

Company Name : Block, Inc. ( Cash App ) Account Status : Closed Amount involved : [ Enter {$0.00} if no funds were in the account OR the actual amount if funds were locked ] How do you want the company to respond?

I want my account reinstated OR to receive a full explanation and any owed compensation if reinstatement isnt possible. I also want confirmation that this will not impact my ability to use other services by Block , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: OK

Complaint narrative:
A collections debt for {$14000.00} showed up on my XXXX  credit report in XXXX of 2025. This debt supposedly led back to a debt at XXXX University. I sent a debt validation request letter to the collections agency ( information below ). It has been over XXXX XXXXXXXX and I have NOT received a reply. I would like this debt removed from my credit reports for lack of response and validation from the collections agency. 

General Revenue Corporation XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX ( only the first XXXX numbers show on my credit report ). 

I think this is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX ( Account Number XXXX ) with a balance of {$2300.00} on all three Credit Bureaus . By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 

It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of notice.

Company response to consumer: Closed with explanation